I consolidated my federal student loans undergraduate back for a fixed time @ 3 25%. I now have two separate student loans (including federal), I want to consolidate at a fixed rate so that I can better afford them. My degree is a loan amount greater than my graduate loans combined and a very reasonable rate. Can I combine my two only new loans regardless of my loans? I would not have to go through a private company, but by “the direct loans.” With sing the payment is not my priority, I’m looking for a fixed interest rate (preferably the lowest possible).