I am a recent University Graduate about to go into the military as an officer. I have very little income as of now, but I have almost $20,000 in college loans. How do I consolidate these loans, some federal and some private, into one so that I can pay them off quickly? My biggest concern is that banks may give me a horrible consolidation loan that I could never pay off even if it does have a great monthly payment. Any help would be nice. Thanks