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The increase comes at a time when unemployment has remained stubbornly high for college graduates — it was at 8 Thanks to rising tuition and a tough job market, college seniors graduated with an average of nearly $27,000 in student loan debt last year. Two-thirds of the class of 2011 held student loans upon graduation,

When Is a Federal Consolidation Loan a Good Idea? Consolidating several federal student loans into a single Federal Direct Consolidation Loan may help student loan borrowers lower their monthly loan payments and simplify their finances. Federal Parent PLUS Loan borrowers need to consolidate to access income-driven repayment and loan forgiveness options. But, borrowers should also