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A transferred account is a closed account, and no longer counts as an open installment loan.

Once the accounts are transferred, they are considered closed with a zero balance; however, they remain in your credit report to show a complete history of the debt.

Consolidating student loans with different payment amounts, due dates, and interest rates into a new loan with one payment, one amount, and one interest rate can make it easier to stay on top of your student loan obligation without a payment getting lost in the shuffle.

There are plenty of banks out there that can refinance and/or consolidate your student loans, but finding the right bank can be time consuming and frustrating. Students who need assistance covering the cost of their college education often turn to federal or private student loans to pay their tuition and fees.

Or you may need extended time to pay or more payment options. This article, which focuses primarily on federal student loan debt, will help you make the best choice for your situation. “You may even be able to reconsolidate previously consolidated loans into a new loan consolidation that includes loans obtained since that initial consolidation,” says Reyna Goble, student loan expert, author of and long-term goals, your finances and all of the other available options.