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If I was unable to get direct loans in school is there any way to consolidate directly with the federal government? Or are they too held at bay with the Single Lender rule? I'm beginning to curse my financial aid department for encouraging me to take out loans from the same lender every year for "simplicity's sake". My current loan holder has terrible consolidation incentives, and right now the only thing that might be able to save me is this perkins loan. :/
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