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The risk to the lender is reduced so the interest rate offered is lower.
You can get information about all of the federal student loans you have received and find the loan servicer for your loans by logging in to My Federal Student Aid.
Use the Before you contact your loan servicer to discuss repayment plans, you can use our Repayment Estimator to get an early look at which plans you may be eligible for and see estimates for how much you would pay monthly and overall.
There may be tradeoffs, however, so you'll want to learn about the advantages and possible disadvantages of consolidation before you consolidate.
After several unsuccessful attempts with the collection agency who had garnished my wages.
They reduced my monthly payments and guide me through each step of the process. They are the best in the industry and they would work with you in a timely and effective way sort out any financial stress and burden caused by student loan debt. I am a grad school graduate, loans were not an issue until the economy collapsed and my job situation and income changed drastically for the worse. I was treated with the utmost respect and felt totally at ease as I was reassured they would help me.