DIRECT STUDENT LOAN

Also, Do debt consolidation companies include federal educational loans into the consolidation?
If you have a federal student loan, and the loan company offered a 1800 # for a consolidation company to take the loan and pay it?

I am going to return to college, but have never applied for a student loan. In the past I paid for my classes and books. I am going to buy my first home, and I am wondering if a student loan would affect my credit? I am a first time home buyer.

I was reading online that if you fail more than 25% of your classes you will be disqualified from federal and institutional aid. Is that the same as a student loan???
I am enrolled in 2 college courses. And I am failing one. I have a student loan, do you think that will affect it?

I have a total of about $27,000 in private student loans through Sallie Mae with a 9% interest rate . Is it possible to find a federal loan to cover the previous amount I’ve borrowed and close my Sallie Mae account? I am still in school (I’m a junior) at the University of Minnesota and will need another year of financial aid..