Student loan debt is a grave concern in modern America.
If you're consolidating with a private lender, consolidating your loans means combining and refinancing your loans into one new private loan.
Your new loan will come with whatever borrower protections your new lender specifies.
(Be sure that, at minimum, you can take advantage of deferment and forbearance so that you have some cushion in the event of an emergency).
Repayment terms are typically extended (usually up to 20 years) and interest rates are often competitive.
A private consolidation loan combines several private student loans into a single, more manageable loan.