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Most youngsters, the students in the United States desire to become independent early in life. To help them in their endeavor, several financing institutions have come forward with attractive schemes to avail them of a loan for their college education. These institutions also provide flexible repayment options. Unfortunately, it is not guaranteed that students always get a good career start and are able to pay off the loans taken during college days, once their education is complete. Some students also do several courses together hence requiring multiple loans, resulting in them having to repay more than one loan. However, there being a rising inflation rate, expenses soar and hence a student’s budget also gets disrupted. This thus call for a need for a debt consolidation loan to help in easing the debt burden The loan consolidation method is not meant only for students with high paying jobs. Even students with low paying jobs have hope in form of the loan consolidation methods. in th