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If you have both federal and private student loans, you will have to consolidate those types of loans separately. To guide you in making a decision about student loan consolidation, you can try a simple online assistant introduced by USDOE in the middle of 2012 to help students understand the basic principles of personal finance and apply that knowledge to their management of their student loans.

The assistant is called the Financial Awareness Counseling Tool (FACT), and it consists of a series of tutorials based on information from your own government loans, using that information to create a personalized analysis of your financial situation and offer appropriate advice.

There are two types of debt consolidation worth considering: Combine student loans.

The average college graduate with a bachelor's degree in 2011 holds ,000 in debt among 8 to 12 student loans, says Mark Kantrowitz, publisher of Fast and Fin Aid.org, college-finance resource hubs.

Effectiveness Level: Medium-High This is one of the easiest ways to reduce your debt.

Just take the payments you have and add extra money to the payment.

Recently we asked debt-management experts for their best tips on handling debt.

Several are certified credit counselors in agencies connected with the nonprofit National Foundation for Credit Counseling (NFCC), a group that offers free or low-cost help. Tip 1: After budgeting, negotiate Tip 2: Consolidate your obligations Tip 3: Prioritize payments Tip 4: Use a credit counselor Tip 5: Consider the last resort A first step for clients of In Charge Debt Solutions in Orlando, Fla., is an analysis of income, expenses, and assets, says Mike Leon, manager of credit-counseling operations.

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One easy way to do this: set up automatic payments with this extra amount added in.

One thing we can all agree on: paying off student loan debt isn’t fun.

One of the worst feelings is tearing open your paycheck or seeing your direct deposit hit your bank account and getting excited, only to remember that you need to use a huge chunk of that money to pay your student loan debt.

Debt consolidation is nothing more than a con because you think you're starting with a clean slate.

But the truth is the debt is still there, as are the habits that caused it—you just moved it!

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