Consolidating federal student loan rates
You can consolidate Direct Student Loans using one of several income-based repayment plans and there are loan forgiveness programs.
A lower monthly payment and a more forgiving timeline is the second chance you’ve been waiting for. All federal loans have fixed payments, so be sure to make your payments on time and feel good knowing you solved your debt issues by being proactive.
The first stage of review to verify how many of our loans qualify for consolidation.
Then decide if you want a payment plan based on your current income or prefer a longer repayment period to get the lowest fixed payment possible.
The programs are tailored to your income and family size.
You can even switch programs if your financial or family situation changes.
You can’t consolidate private loans in the federal Direct Consolidation Loan program, but some private lenders allow you to consolidate federal and private loans together.