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As you weigh the pros and cons, keep in mind that timing is critical.

There are numerous problems that can ariseā€“for example, if one of the divorced ex-spouses wants to apply for IBR.

The Department says that borrowers with joint consolidation loans may repay under the IBR/PAYE plan as long as both spouses qualify with partial financial hardships.

Borrowers in default may also consolidate in certain circumstances.

Consolidation was previously available to borrowers while they were still in school. Congress also eliminated joint consolidation for spouses, effective July 1, 2006.

This may be a good idea if you want a single monthly payment.