Federal Student Loan Consolidation


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What is Student Loan Consolidation?

Student Loan Consolidation combines all of your current student loans into one.  After a consolidation has been completed, a borrower would only have to deal with one term, one payment, and one interest rate.  Consolidating your student loans gives you the simplicity of only working with one servicer as well as access to many more repayment options that you may not have previously qualified for.

Free Consultation

Our Student Loan Doc Experts will give you a free student loan health checkup to analyze what program or combination of programs can save you the most money.

Document Preparation

Our team of processors painstakingly prepare all the necessary documents for your review and signature along with the instructions for ease of submission and tracking information.

State of the Art support

We provide you with your very own customer support portal in order to create, track and satisfy any question or concern you may have throughout the process 24/7.


Our customers are our most valuable resource and their satisfaction is of paramount importance to us.  That is why we offer a 100% Money back guarantee to all of customers.

Will Student Loan Consolidation Lower my Monthly Payment?

Yes! How much will vary by the type of loans you have and the terms that you are placed with, but there are many ways consolidation can help lower your monthly payment.  Below is information on the 2 Types of Student Loan Consolidation.  Private Student Loan Consolidation and Federal Student Loan Consolidation.

Student Loan Consolidation


Student Loan consolidation is the process of using one new loan to pay off or refinance all of your other existing student loans.  This allows the borrower to have only one convenient monthly payment and creditor.  Student Loans can be consolidated privately or on the federal level.

Federal Student Loan consolidation can also benefit the borrower as it may make them eligible to enroll their newly consolidated loans into government sponsored repayment plans and/or student loan forgiveness plans like the Obama student loan forgiveness plan (PAYE), the Public Service Loan Forgiveness Plan (PSLF) the income based repayment plan (IBR) the Permanent Disability Forgiveness program and more.  All federally backed student loans can be consolidated and then enrolled into a new repayment program.

Direct loan consolidation can be very beneficial when looking to enroll in a student loan forgiveness plan because these programs only work with direct loans. Your federal student loans are eligible for consolidating after you graduate, leave school or when you drop to half time status. Once you apply to a federal student loan consolidation program, it generally takes 30 to 60 days for the loans to be consolidated. However, the time it takes to consolidate is worth it with all of the different benefits such as:

  • Save money on interest over the life of your loan
  • Lower your monthly payments by extending the repayment term
  • Access to more repayment options like student loan forgiveness programs
  • Simplifying your repayment with only one monthly payment to one servicer

With different loans charging different interest rates, it can be overwhelming to keep track of them all. If this is overbearing, it might be time to consider consolidating your loans. A student loan consolidation combines multiple loans into one new loan and applies the weighted average interest rate. The result is one new monthly repayment plan and interest rate.

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"Before I came across Student Loan Help Info, I was struggling to pay $273 every month towards my student loans. A friend of mine referred me to this place and I was a little weary at first. The woman I spoke to was very helpful and informative, so I decided to move forward and they helped me get into a $0 monthly payment. Now my student loans are one less thing I worry about."
Roger P.


"Hi! I am Jessica. I graduated in 2010 with all the hope to build a career in teaching. My loans totaled over $40,000. I had a job at the time and didn’t make a lot of money so supporting my two kids wasn’t easy. I started falling behind with my payments and eventually fell into default. Luckily, I found Student Loan Help Info through an online search, and they were able to help get me out of default and into a forgiveness program. I couldn’t be happier!"
Jessica M.


"I have been disabled for quite some time now so I haven’t been able to work and pay my student loans off. I came across this student loan assistance company and the representative was very knowledge. Since I am disabled, I was able to get all of my loans discharged. I am so thankful I made the call."
Mitchell T.

Student Loan Consolidation F.A.Q

Can I consolidate my loans if I am in school?

Borrowers cannot consolidate loans until after they finish school are no longer in an in school status. Once you are finished with school, you are eligible to consolidate at any time.

How does consolidated affect my repayment options?

Consolidating gives you access to more repayment options as well as student loan forgiveness programs that can lower your monthly payment as well as forgiving your student loans overtime.

Can I consolidate if I am in default?

Yes, as long as you enter an income-sensitive repayment program or make a payment arrangement with your current servicer.

When do I enter repayment?

Your consolidated student loan should enter repayment immediately and you should receive your first bill within 60 days of the consolidation.

Public Service Loan Forgiveness

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