Did you want to consolidate a defaulted loan that is being collected through garnishment of your wages , or that is being collected in accordance with a court order after a judgment was obtained against you?
no, no defaults yet and I have other questions
what's good about consolidating?
It will allow you to combine multiple federal education loans into one loan, so you will have a single monthly payment instead of multiple payments. Loan consolidation can also give you access to additional loan repayment plans and forgiveness programs.