Consolidating loans direct loans

You’re generally eligible once you graduate, leave school or drop below half-time enrollment.Consolidating your federal loans through the Department of Education is free; steer clear of companies that charge fees to consolidate them for you.

To proceed, select the user link below that applies to you.

And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward –- and free. " There are two types of student loan consolidation: federal and private.

After your information has been submitted, you can receive an offer from one of the lenders in our network.

Please take the time to review the offer carefully — including all of the costs and terms — before making your final decision.

[Back to top] Applying for consolidation takes most borrowers less than 30 minutes, according to the Federal Student Aid website.

As part of the process, you’ll need to provide details about your existing federal student loans, and choose a federal loan servicer and repayment plan for your new consolidation loan.

Bad credit or no credit are also welcomed to try to get matched with a lender.

Getting a short term loan starts with submitting the quick online form that we have provided.

Additionally, you’ll get a new loan term ranging from 10 to 30 years.

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