<p>I feel that if I keep my Ds loans all together at one bank with all the multiple loans she will need, including the Stafford Sub and now a new Stafford un-sub loans along with the private loans she will be taking each year it will be easier to keep track. I will like to see her set up an automatic payment with any discounts she may get. I tell her that the Schools loans can ruin you Credit life if not paid. JG.</p>