You've been hearing for months that it's a good idea to consolidate your student loans. That's still true, but now time is running short. You've got until June 30. Bankrate's guide will see you through the process.

Inside this special section

Ask our expert   Ask College Money Guru Joseph Hurley a question or read his answers.   Learn about consolidation Your education goes beyond the university setting. Here's a real-life lesson in financing. • Poll: What's your consolidation mind-set? Last-minute rush Marketers are out in full force. We'll tell you what to tune in and what to tune out. We even give you step-by-step instructions on what to do. • Last chance to consolidate student loans • 5 student loan consolidation tips • 7 steps to consolidate your loans