For so many recent graduates, the first challenge to face is not how to get their careers off and running, but how to handle the debt that they have accrued. It can be a debilitating start to life in the big bad world, but by consolidating student loan debt it becomes easier to manage what can be described as a major undertaking. The secret to managing loan repayments has always been to keep the repayment sum as far below the income earned as possible. While this is always preferred, it does not always turn out that way. Consolidation allows for a number of debts to be cleared and replaced by one, more manageable debt. But, as with all financial moves, there are options to consider, and advantages and disadvantages to weigh up before making any final decision. The right decision...