Process consolidating student loans
Your defaulted federal loan may be consolidated provided that it’s not a previous spousal consolidated loan and you are not subject to a judgment secured through litigation or an order of administrative wage garnishment on a federal student loan for which you’re requesting consolidation.
Student loan consolidation is the process of uniting some or all of your student loans into one new loan.
Calculate How Low Your Payment Could Be Student loan consolidation is the process of combining some or all of your student loans into one new loan.
By consolidating, the borrower would have only one student loan, with one monthly payment, interest rate, and term.
Begin by logging in to your account at using your four-digit federal Personal Identification Number (PIN). The application will be populated with information from your loan record.