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Think about it: you just graduated from college and you have a combination of about five different student loans.

However, there are times when combining all of your loans (both Federal and private) makes sense, and there are times when it may not.

Instead of making multiple payments to multiple lenders, the borrower only has to pay off the new consolidation loan, says Michelle Pezzulli, vice president of operations for Credit Union Student Choice, a student lending service provider in Washington, D.

Along with gaining a new degree, many graduates will also leave campus with new student loan payments they'll have to fit into their post-graduate budgets.

They act on emotional triggers to get these victims to provide personal details, gifts, and even money.

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