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Log in to and click on “Complete Consolidation Loan Application and Promissory Note.” You’ll need to finish the application in one session, so gather the documents listed in the “What do I need? You can either get a repayment timeline based on your loan balance or pick one that ties payments to income. Continue making student loan payments as usual until your servicer confirms consolidation is complete.
Consolidating your federal loans through the Department of Education is free; steer clear of companies that charge fees to consolidate them for you.
But it’s only for federal loans, and it won’t cut your interest rate.
Consider federal consolidation if you: When you consolidate federal loans, the government pays them off and replaces them with a direct consolidation loan.
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