<p>Hello,</p>
<p>I am wondering what kind of loans are typically able to be "consolidated"? I know that the Stafords can , and assume that the other federal ones can too such as Perkins. Are Parent PLUS and Grad PLUS also able too.</p>
<p>From what I seem to be reading, most private loans, such as Discover or our local bank can NOT be wrapped into a consolidation.... is that correct? If so, I would assume that a truly private loan from a family member or friend would also fall under the same rules.</p>
<p>Along the same lines, I assume that if we take out a Home Equity Loan/Line of Credit, that would also fall into the ineligible category?</p>
<p>I am trying to look ahead to have as many of the loans "consoladatable" as possible if needed down the road.</p>
<p>I think we will need about 5-6 thousand per year above and beyond the Staford and Perkins loans.</p>
<p>Thanks,</p>
<p>DJD</p>