Student loan borrowers should not refinance federal student loans into a private joint consolidation loan without seriously considering the risks including losing valuable borrower rights and flexibility unique to federal loans. (abaforlawstudents.com)
So if one spouse would be ineligible for rolling a FFEL joint consolidation loan into an individual FFEL consolidation loan, would they not be eligible for a new Direct Consolidation Loan? (getoutofdebt.org)