<prompt> Human: Hey Reddit,Im uncertain of my decision about my student loans so I figured Id pose my questions to you all in hopes that you could help. There is a deluge of information out there and I want to make sure it applies to me. I defaulted on my Stafford and Perkins loans in the amount of 20,000 combined some 5 years ago. I would like to go back to graduate school but know the only way to pay for it would be through loans. Due to my terribly low income I plan on consolidating my loans and applying for IBRincome based repayment. Does loan consolidation guarantee to make me eligible for federal student loans again? Does it matter who I do the loan consolidation through? This site says to consolidate through FFEL or William D. Ford. Whats the difference? The collection agency Im working with is all too eager to have me consolidate through them, but Im sure you can understand my trepidation. Unfortunately I am not very well informed about the matter as a whole.Loan breakdown: Stafford subsidized: 11625Federal Perkins: 7,000  <response>: You want to take out a bunch more student loans because it worked out so well for you the first time around? 