Question:
I am currently in Chapter 13 and making payments to the trustee. I have scads of students loans from multiple lenders and a percentage of them are being paid through the trustee. I just applied to consolidate all my student loans with a single lender and lock in the lowest student loan interest rate ever.

AM I able to consolidate my student loans while in Chapter 13 or will I have to wait until I am discharged? As I said, I already applied to consolidate them but now I am fearful I will get a letter down the road that says something to the effect of "since you filed for bankruptcy . you cannot consolidate your student loans . etc.etc." I do not want to wait until discharge because as I said, the student loan interest rate is at its lowest ever right now and this would be a fixed rate. By the time I am discharged, the rate will be higher and the government may change the laws regarding student loan consolidation. Does anyone know if I will be able to consolidate right now? ok, clarification when I said "a percentage of them" I meant a percentage of my balances -- not a percentage of the lenders. So yes, all student loan lenders are listed in Chapter 13 and being paid through the trustee (but they are only being paid 2% of my balances).

Answer:

AM I able to consolidate my student loans while in Chapter 13 or will I have to wait until I am discharged? Does anyone know if I will be able to consolidate right now?

I would ask your attorney if a motion has to be filed. If you have difficulty reaching your attorney, you may want to ask the Chapter 13 Trustee.