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Loan Consolidation

Consolidation allows you to combine all eligible federal education loans into one new loan. However, consolidation is not for everyone.


  • Lock in a low fixed interest rate
  • Reduce monthly payments because of the extended repayment period

  • Make one payment to one lender
  • Transfer Federal Direct loans from a private lender to the Direct Lending Program to benefit from the Public Service Loan Forgiveness option


  • Extend the life of your loan

  • Forfeit original repayment incentives

  • May lose the grace period

  • May pay more total interest over the extended repayment period

More information regarding consolidation is available online at

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