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I didn't want to piggyback my question to the prior 2 questions regarding loan consolidation. My question may be a bit basic for those of you already in the know:

How are the minimum monthly payments determined?
What if I have both college and law school loans? I have maybe a combined total of $101,000 in loans (yikes!!!). These, then, are all subsidized and unsubsidized Stafford loans, Perkins, and some loans directly from the schools themselves. I stupidly didn't use the same lender when I went to law school. Does this matter? Do ALL of these loans have to be paid in 10 yrs? Will I be paying an impossible amount of $ per month?
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