I just graduated this spring so now I have all my loans to deal with I've been getting bombarded with a ton of information re: consolidation but I have some questions. I have your standard gov't loans, but once I moved off campus, I got independant loans so I could pay rent & living expenses as well since I didn't have time to work more than 15hrs a week. Can I consolidate them both into one loan/ one payment? If so, that'd be awesome. Thanks guys, this whole real world stuff sucks!