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Debt consolidation
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===United States=== In a [[federal student loan consolidation]], a weighted average interest rate is assigned to the consolidation loan, rounded up to the nearest eighth. Federal student loan consolidation is sometimes incorrectly referred to as refinancing. Unlike some private sector debt consolidation, student loan consolidation does not incur any fees for the borrower.<ref>{{cite web |title=Should I consolidate or refinance my student loans? |url=https://www.consumerfinance.gov/ask-cfpb/should-i-consolidate-refinance-student-loans-en-561/ |website=Consumer Financial Protection Bureau |access-date=25 November 2023}}</ref>
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