Got a bit of a bad credit history that you fear might affect your chances for consolidation of your student loans? There are ways of getting round these debt problems that mean you can get a consolidation loan to for the repayments.  Consolidating your debts can save you money, time and indeed ease money worries so they are worthwhile, but it's vital to pick an agency or company you can trust.  Some companies can help you manage your debt without needing another loan, others suggest you go for an equity loan or similar to cover it. A small fee covers the consolidation companies as they can save you plenty of dollars, but it's vital to check the small print first.