You tend to have lots of similarities to both Americans AND Europeans, so...

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I confess I had no idea what “tossed salad” meant, but it turns out it meant something kinda kinky that did not convey what this gal intended.

If you do nothing but combine your loans, then you do not save any money, and the total amount you pay monthly does not decrease. You may have heard someone say, “I consolidated my federal loans into one federal loan and refinanced it into a lower payment.” In this case, the use of the word “refinance” is not correct (I’ll provide a more in-depth explanation of refinancing in the next section).

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