Consolidating Your Student Loans - Step by Step

1. Determine if you are eligible:

• If your outstanding federal student loans total $10,000 or more, we can help you!!
• If you have consolidated in the past but have one or more remaining federal student loan balances, we can to help you!!
• If your loans are on the following list, we can help you!! If you’re unsure about what types of loan you have, please call us at (800) 942-3520 and one of our authorized loan agents will be happy to assist you.
  • Federal Subsidized Stafford Loans
  • Federal Unsubsidized Stafford Loans
  • Direct Subsidized Stafford Loans
  • Direct Unsubsidized Stafford Loans
  • Federal PLUS (parent) Loans
  • Direct PLUS Loans
  • Grad PLUS Loans
  • Federal Supplemental Loans for Students (formerly Auxiliary Loans to Assist Students (ALAS) and Student PLUS Loans)
  • Federal Perkins Loans (formerly National Defense / National Direct Student Loans (NDSL)
  • Subsidized Federal Consolidation Loans
  • Unsubsidized Federal Consolidation Loans
  • Direct Subsidized Consolidation Loans
  • Direct Unsubsidized Consolidation Loans
  • Health Professions Student Loans
  • Health Education Assistance Loans
  • Federal Insured Student Loans
  • Federal Nursing Loans
  • If your federal student loans are in deferment or forbearance, we can help you!! If you are in default, we may have a solution for you. Call one of our authorized loan agents at (800) 942-3520 for assistance!

  2. Have the necessary information to consolidate:

  If you prefer, call one of our authorized loan agents at (800) 942-3520 and we will be able to tell you if you are eligible for consolidation in seconds!! Or, gather the following information which will be needed for application completion:

  • Name
  • Address
  • Phone number
  • Date of Birth
  • Driver’s License State & Number
  • Email address
  • Employer information (if applicable)
  • Social Security number (The U.S. Department of Education utilizes your social security number as the account number on all of your federal student loans. Further, this allows us to access your loan information to be sure we align you with the best possible program.

  If you are uncomfortable with supplying your social security number, you may contact an authorized loan agent at (800) 942-3520. We would be happy to assist you!

  3. APPLY!!

  • To consolidate your federal student loans, the most efficient and time saving way is to simply call us at (800) 942-3520.  We’ll verify that your loans are eligible and advise you of what type of monthly savings you can expect!  Then we’ll fill out the application for you and send it to you for signature.”

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