When it comes to bad credit student loan consolidation, federal loan programs are, in most cases, the best way to go. Legitimate private lenders across the board, such as banks, require good credit from their borrowers in order to ensure competitive interest rates, and most private lenders will not even consider those borrowers who have a bad or no credit history. Unlike these private lenders, the government does not seek to turn a profit from their student loan consolidations and there are several federal loan consolidation programs that do not require credit history checks. […]