Changing Rules for College Loan Consolidation

College loans consolidation is by no means stagnant. The rules and understandings surrounding student loan consolidation are in flux and sometimes change yearly. It sometimes seems that the lenders are conducting an experiment to see what types of rules will be generally acceptable and which simply will not work.
Whether the loans are federal or private does not seem to matter, things change and lenders just have to get used to it. Some rules that the government and private agencies started out with seemed to be fine and working for years, but some accounting wiz will come up with a way to change the rules to benefit the lender. On some occasions the rule change benefits the borrower but these are few and far between.