Student loan questions

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Q. I currently have ~$32,000 in student loans (most of which has been in forbearance for a year and is scheduled to start payment in Feb.). I am looking at the many different federal student loan consolidation options and am noticing that they are all pretty similar as far as interest rates and eligibility. Is there a "best" lender to use or a "best" deal out there as far as federal loan consolidation? Is there a website that lists the various loan consolidation packages that each lender has to offer? I have a $32,000 loan and wanted to try to get a 25 (or possibly even 30) year re-payment plan but the longest payment plan I've seen for my amount of debt is 20 years. Does anyone know of a lender that can get me a longer re-payment term? Also, from my time in college, I have a bill on my student account (under $1000 that was mostly room + board fees) that is almost 2 years old and currently in collections. Is there a way to have this bill consolidated into my other student loans, or should I just try and pay it off now? Are there federal (or federally insured) loans out there that would provide me a loan for the purpose of settling my student account and then able to be consolidated into my other loans?

A. -the only thing I know is connected to what we just did with Salliemae.com if you consolidate before payments kick in, you get a lower rate, but there is a cut off and you are getting extremely close to it. Also, with salliemae, he got a 4 year lower amount to start off, probably just interest. But he can pay less while he makes less, or should he do well, he can pay more. But at least he will not be strapped with a higher payment should it take awhile to earn a good salary. His consolidation is at 3.6 Without the consolidation his payments would have started in Dec around $159, now they are starting in Feb about $76 -You should still be able to consolidate with that lender. I found this: 'If a borrower has multiple FFEL program loan holders, the borrower may select any consolidating lender and is not required to choose a lender who is the holder of any of the loans. If all a borrower's FFEL program loans are with only one holder, the borrower must check with the holder for consolidation first, unless the lender does not offer income-sensitive repayment.' So, if the original holder won't let you consolidate, you should be able to take your loans and have them consolidated with another lender? Unless you've already consolidated, I'm thinking you should still be eligible for consolidation... -actually... that's what I thought. We had always dealt with American Express and so I thought that meant I had the same lender. But, there were other types of loans that the school included that were subsidized and unsubsidized and I don't understand it, but somehow it meant we werern't all from one borrower. I think the only way you might be all from one borrower is if the school didn't have anything to do with your loan filing and you just went to the bank and took out a loan.

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