Easier to sell, borrower is, to the best of their knowledge, complete and not taking on any new loans.<p>Plus, as mentioned above, it sets the interest rate for all the loans. I&#x27;m not sure how often at a more or less favorable rate, and if that&#x27;s part of the incentive, to consolidate lower interest loans into a large higher interest one. I could definitely see them pushing this at different times, which was also something that came up in the article, that available repayment options were withheld when they were favorable to the banks and servicers.