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


Managing several different federal student loan payments with various interest rates can be overwhelming for any student loan borrower. Thankfully, you may have some options available to you through Federal Student Loan Consolidation as well as Private Student Loan Consolidation.

All private and federal student loans are not backed by any assets so they are considered unsecured debt. However, they are the only type of debt that cannot be automatically discharged through a bankruptcy. Fortunately, borrowers can now take advantage of Student Loan Consolidation to help make managing their student loans a little easier.

The U.S. Department of Education has now made it possible for borrowers to consolidate their student loans through the Direct Consolidation Loan program. This can be a great alternative for borrowers looking to maintain one loan, one interest rate and one monthly payment.

Federal Student Loan Consolidation gives borrowers the flexibility of enrolling in several different repayment plans that may offer lower monthly payments or even Student Loan Forgiveness. Most Student Loan Forgiveness programs require direct loan consolidation to qualify for the programs. Here is a list of the federal student loans that qualify for Direct Loan Consolidation:

  • Stafford Subsidized and Unsubsidized loans
  • Direct Subsidized and Unsubsidized loans
  • Direct PLUS and FFELP Plus Loans for Parents
  • Supplemental Loans for Students
  • Perkins Loans
  • Health Education Assistance Loans
  • Nursing Loans

There are several benefits for borrowers who decide to take advantage of Federal Student Loan Consolidation. Unlike Private Student Loan Consolidation, there is no credit check necessary. Borrowers who are in a defaulted status can be brought current once the consolidation is complete. They are also still able to place their loans on a forbearance when necessary or go back to school and take out any additional federal student loans. However, the biggest benefit is that Federal Student Loan Consolidation is the only way borrowers can become eligible and take advantage of the many Student Loan Forgiveness programs.

Like any major financial decision, you need to know all options available to you. Borrowers who are interested in Student Loan Consolidation should consider both Federal and Private Student Loan Consolidation. Keep in mind that private loans do not qualify for any of the Student Loan Forgiveness or Income-Driven programs. If your loans do qualify, the next step is to begin the application process for a Federal Student Loan Consolidation. Once your application has been successfully approved by the U.S. Department of Education, you will enter in repayment within 60 days from the date that your application was processed.

Unfortunately for borrowers with any private student loans, Direct Loan Consolidation will not be an option. However, there are also several options for borrowers with both federal and private loans available through Private Student Loan Consolidation.

Many Private lenders are currently offering Private Student Loan Consolidation through refinancing. The private lender essentially pays off all your current federal or private loans and refinances you with one new combined loan and one new monthly payment. Many times, private lenders will offer you a lower combined interest rate to refinance with them. In the long run, even a slightly reduced interest rate can save a borrower thousands of dollars over the life of the loan.

Most private lenders offer a fixed rate loan or variable rate loan. Variable rate loans usually have a lower starting rate compared to a fix rate loan. However, that rate can change over time. A fixed rate loan has no fluctuation which means your monthly payment will be the exact same for every month that you are paying back the loan. These two types of interest rates offer a little flexibility with the monthly payment depending on an individual borrower’s needs.

We understand that everybody’s situation is different and that there is no one size fits all approach. As a consumer, it is important for you to know your options when it comes to your student loans. Whether you are looking fora Federal Student Loan Consolidation to qualify for Student Loan Forgiveness or Private Student Loan Consolidation to refinance your loans, we are here to help.

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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.

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