So my school is horrible in financial aid advising and I'm completely clueless on the consolidation/deferment process. I just recently learned what loans I had out there and the differences in them only through my own research bc the school didn't seem to want to help me. But anyways my question is - can you consolidate private loans? I was always under the impression that you could consolidate and defer all your loans but was told last week that I couldn't with my private loans. I have 200k in federal loans and around 30k in private loans. I will definitely consolidate and defer my federal loans but do I have to start paying on my private loans? What can I do?