The terms and criteria for qualification to consolidate differ for federal and private loans. (lendkey.com)
This is because federal student loans come with certain borrower benefits that you would lose if you chose to refinance federal and private loans together. (credible.com)
Both lenders offer fixed and variable rate loans, both allow for refinancing of federal and private loans, and both feature loan terms ranging from 5 to 20 years. (creditdonkey.com)