Student loan debt equates to about$24,000 for every graduate.

Even 10% percent of the people are coming outwith $58,000 or more.

There are two types of student loansthat you must be aware of, there's government student loans andthen there's private student loans.

There's not a lot of flexibility onprivate student loans they're owned by banks and investment funds as opposed togovernment student loans that have all these plans in order to consolidate yourstudent loans and reduce your payments.

The problem is a private student loanand a public student loan or government student loan cannot be mixed into thesame consolidation.