It seems like after you will graduate there will be no problem in paying the loans you have taken during studies as there are many consolidation loan student firms offering  tempting packages and mostly boasting of themselves as best consolidation loan student etc. However the matter is not as simple as it looks and needs your serious attention if you want to stay away from the hassle of late payments.

There has been a rule passed in 2006 by The Deficit Reduction Act which says that you cannot have consolidation services for your student loans. This applies especially to the students who have taken loans from single lender. Then they are not able to consider any other packages or offers given by other firms. They have to stick to their previous plans. However there has been appeal against it but the suggestion was not considered by congress men.

There were many loop holes in the law before through which lenders give tension to their clients by Single Holder Rule. It has taken the option from students and their guardians to look for better options available in the market. Due to this law all students must try to take loans from different lenders.

You can have some of your loans from same lender and just take few from some other. If that is not very feasible option then at least try to have two lenders so that there is no problem with your consolidation programs later on and stay away from troubles.