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Federal Student Loan Consolidation

  • Borrow up to your total cost of education.
  • Online application takes just minutes.

Federal student loan consolidation allows for more manageable student loan repayments along with additional monthly savings. Refinancing can lower your monthly payment by stretching repayment periods depending on how much you owe in federal student loans.

Recent legislative cuts have made federal student loan consolidation very difficult and the majority of companies consolidating federal student loans have suspended participation in their federal student loan consolidation programs. There are still consolidation programs that could help you lower monthly payments and combine loan payments for existing federal student loans. They are described below.

Stafford Loan Consolidation

Fixed rate consolidation programs could help save you up to 53% monthly from your previous Stafford loan payments.

PLUS Loan Consolidation

A PLUS loan consolidation can bundle existing PLUS loans into a single loan with a lower monthly payment. $20,000 in PLUS loans are required for this federal student loan consolidation.

Graduate Stafford Loan Consolidation

Students who have completed their graduate studies can combine both previously consolidated undergraduate student loans and new graduate student loans into one payment.

If you are looking for private student loan consolidation please visit our private consolidation page. For more student loan consolidation information please see our student loan consolidation information page.

* Think Financial refers applications to Simple Tuition, a leading student loan comparison site, and is paid a fee for this referral.