<prompt> Human: My credit score is horrendous. It redefines what a bad Credit Score is. Having said that, I now have a job with a very good salary. Which means I can start paying off my school loans. Is there a way to consolidate all my payments into one payment which will be distributed to the organizations that loaned me the money? Or is it better to just pay the money directly to them?  <response>: Student loan consolidation is available for some situations - federal loans can only be consolidated with other federal loans, same for private. The problem is that it usually doesnt save you any money, and could end up costing you more.If you can afford to make all the minimum payments on all of your current loans theres probably no good reason to consolidate. Put any extra money towards the loan with the highest interest rate until its gone, then move to the next highest interest rate, etc. 