<prompt> Human: New to Reddit! First Post! So heres the situation: I finished undergrad with about 100k in student loans. Im thinking about consolidating my federal and private loans into one because: some of my loans have high 9-11 interest rate and itll be easier to keep track of them. But Im also strongly considering going back to school. Do you know any loan consolidators that have a deferment policy, pay until you graduate, or other nice features? Or what have you done with student loans that you regretare thankful for? Ive been to about 10 different websites comparing interest rates and checking if Im preapproved with a cosigner. Im definitely going to need to take out more loans for more school too. Any help is awesome, thanks!  <response>: Dude I think youre asking the wrong questions. Youre in a financial emergency and youre asking how best to dig your hole even deeper. 