If I choose to consolidate my loans when can this be done?
Generally you are eligible to consolidate your loans after you graduate, leave school, or drop below half-time enrollment.
If some of my loans are still in the grace period when do I begin repayment of my consolidated loan?
If some of your loans that you want to consolidate are still in the grace period you have the option of indicated on your Direct Consolidation Loan application that you want the servicer that is processing  your application to delay the consolidation of your loans until closer to the grace period end date.