Until July 1, 2006 if all of your student loans were issued through one lender, you were forced to consolidate with that lender—regardless of whether that lender had the best student loan consolidation deals for you. If you’re like most students, you probably have no idea which lender was supplying your federal student loans.
If you did, you probably didn’t pour through the fine print of their student loan consolidation terms while in line at the financial aid office. Now, it doesn’t matter who issued your original loan, you can consolidate college loans with the lender that offers you the most benefits.
source : http://www.scholarpoint.com/Articles/
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