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However, you cannot consolidate private loans with federal loans, and when you do consolidate federal loans, you may lose benefits associated with the original loan, like interest rate discounts, principal rebates or some loan cancellation benefits.

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That, in turn, stokes concern about borrowers' ability to repay their lenders.

Your interest rate can be increased on your existing balance: In 2009, the CARD Act was passed.

  By signing the MPN, you, the borrower, agree to repay all Stafford Loans (subsidized or unsubsidized).

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