Us consolidating student loans
Federal Student Aid provides information on the Direct Consolidation Loan and how to apply.
Only Direct Consolidation Loans offer the Income Contingent Payment option.
If you need to add a loan, you can cancel your existing application and reapply with the additional loan(s).
Once you apply, it can take from 30 to 45 days to process.
During that time, we complete the credit review process, you (and your cosigner, if applicable) will sign the loan documents and we will ask you to obtain payoff statements from your current loan servicers.
If you prefer, we can schedule a call with you and your current loan servicer(s) to verify the loans you want to consolidate.
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If you have one or more federal loans, you may consolidate them through the Federal Direct Consolidation Loan Program.