Once you have graduated from college you may be eligible to consolidate your student loans. It is important to carefully consider this option, since it is only available to you to do once. It is not a good idea to consolidate your student loans with your spouse student loans. If you pass away, your estate is not responsible for the student loans, but if they are consolidated with your spouse, he will still need to pay them back. This benefit is only for federal student loans.
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