What if I have several loans?
you can consolidate them into a single Direct Consolidation Loan. This can simplify repayment if you currently make separate loan payments to different loan holders or administrators, as you only have to make one monthly payment.
And what is the payment of my federal Perkins loan?
The options for the repayment plan of the Perkins Loan are not the same as for the loans of the Direct Loan Program or the FFEL Program. Check with your school for more information on Perkins loan repayment plans.