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Simply put, this is the process of combining your multiple student loans into a single, bigger loan, possibly with a new lender.

You’ll no longer owe the original loans, and since this consolidated loan is new, it will come with a new interest rate, a new payment policy, and new terms and conditions.

But being true to our schools comes with a price, and it runs in the millions of dollars.

Michigan has 550 public districts — and about 550 superintendents, business managers and transportation directors.

Elementary districts and their supporters are known for fighting for their schools.

Last February, parents and educators packed a House committee room and spilled into the hallway as lawmakers debated a bill calling for merging dependent schools into area school districts. The victory was not easily forgotten in a community just 23 miles south of the Capitol.

This “shared services” model puts all public school transportation, food service and operations and maintenance at the county level.

Choosing to consolidate your loans is an individual choice and the right decision will depend on the specifics of your loans — the types of loans, interest rates, balances, borrower benefits, and more — as well as your current financial situation.

Building connections with students, their families and the rural community was a close second on his list of priorities for the elementary school district.

Located in Norman, Robin Hill district covers 18 square miles.

Michigan has the nation’s fifth-highest number of school districts.

And with shrinking state revenues and rising legacy costs in the state, top leaders such as state Superintendent Michael Flanagan and business advocacy groups are calling for shared services. Former state Superintendent Tom Watkins, Flanagan’s predecessor, is a forceful voice for consolidation.

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After you are done, you will know how to refinance and consolidate student loans. You may now have a general idea of how to refinance student loans and how to consolidate student loans, as well as the basics of what each lender offers, but there is much more information you should know before choosing a lender.

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