If you are a student, you may get some additional breaks over other people.  You can qualify for a student debt consolidation loan and this is a great way for you to get the money that you need.  If you want to make your life much simplier, this is a great way to do so.  You can easily pay your bills on time with much less trouble and can make just one payment per month rather than several.  This is a great way to make it much easier for you to pay your bills.