Consolidating your student loans can help you and your parents simplify repaying your loans by allowing you to combine several types of federal student loans with various repayment schedules into one loan with a single repayment schedule.

Repaying your loan is simpler because you make only one payment a month. The interest rate on your Consolidation Loan might be lower than what you’re currently paying on your loans. Even if you’re in default on a federal student loan, you might be eligible for a Consolidation Loan if you meet certain conditions.


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