Student Loan Consolidation
Federal Direct Loan Consolidation combines your federal loans into one. It can unlock access to forgiveness programs and simplify repayment — but timing and strategy matter.
One Loan, One Payment
Consolidation merges multiple federal loans into a single Direct Loan with one servicer and one monthly payment — simplifying your repayment experience.
Access More Programs
FFEL loans become eligible for PSLF and SAVE only after consolidation into a Direct Loan. If you have older loan types, this step is often essential.
Model the Impact
Our free calculator shows your new weighted interest rate, monthly payment, total interest cost, and how the new term compares to your existing loans.
Want the full picture?
Our complete consolidation guide covers PSLF interactions, rate rounding rules, when to consolidate vs. refinance, and step-by-step application guidance.
Read the Consolidation Guide