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Federal Student Loan Email:

Federal Student Loan Website:


You must contact the servicer that you selected during the application process. Below is a list of the 4 major loan servicers, you can either call them or click on their contact link to send them an email.



  • 1. Click this link
  • 2. On the right side of the page click the green “Log in” box
  • 3. A box will pop-up asking you to “Continue to Log in”, Click the green box at the bottom
  • 4. Enter in your FSA ID & Password and Click “Log in”
  • 5. On the left hand bar under “My Loan Documents” click “Consolidation loan applications” to see your application status


Great Lakes Educational Loan Services, Inc.

Consolidation Department
P.O. Box 8956
Madison, WI 53708-8956 USA



FedLoan Servicing (PHEAA)

FedLoan Consolidation Department
P.O. Box 69186
Harrisburg, PA 17106-9186 USA




PO Box 82658
Lincoln, NE 68501-2658 USA

Navient (formerly Sallie Mae)
Attn: ED Loan Consolidation
PO Box 6180
Indianapolis, IN 46206-6180 USA



*The student loan consolidation process takes on average 30-90 days from the date the consolidation is filed. The borrower will start to receive their first correspondence roughly 30-45 days after the loans are filed for consolidation. *

1. Application Review:

Once the Department of Education (D.O.E) receives your fully completed application, they will start the consolidation process by validating all the information submitted with the your original lenders. The Department of Education will contact you directly if any additional information is needed.

3. Loan Statement:

After your loan holder(s) confirms the “payoff” balance(s), the D.O.E will mail you a summary letter containing all repayment plans available for your consolidation. You have 15 days to review this information for accuracy and to make any adjustments.

5. Account Set-Up:

The Department of Education will forward the loan information to the servicing
center once your loan(s) are successfully consolidated. The servicing
center will mail the borrower a welcome letter and a final summary of the details of
the consolidation (Due dates, payment amount, new interest rate, etc)

2. Contact Loan Holder(s):

Using the loan information from your application, the D.O.E will contact your loan holder(s) to verify the loan’s eligibility for consolidation and current loan balances (Including accrued interest rates, fees, or collection costs) If you are having difficulty making payments on your loan(s), you can contact your lenders to see if a “deferment” or “forbearance” is available.

4. Loan Pay-Off:

If the Department of Education does not hear from you within 15 days from the date on the 15 day summary package the D.O.E will continue the consolidation process. Payoff check will then be sent to your existing lenders for pay-off.

6. Contact Information for the Department of Education – Federal Student Aid:

Federal Student Aid Information Center



  • To ask questions after you submit your Federal Direct Consolidation Loan Application and Promissory Note:

    You must contact the servicer that you selected during the application process. At the top of the page you will find a list of the 4 major loan servicers, you can either call them or click on their contact link to send them an email.

  • Who will I work with after I complete the Direct Consolidation Loan application process and my application is sent to my consolidation servicer?

    Once we send your Direct Consolidation Loan Application and Promissory Note package to the consolidation servicer you select, you will work with your servicer for all consolidation-related needs.

      •If you have questions about your Direct Consolidation Loan Application, contact your consolidation loan servicer for more information.
      •If you want to add additional loans to your Direct Consolidation Loan Application, you may do so within 180 days after your new consolidation loan is made without having to submit a new Direct Consolidation Loan application. Contact your consolidation loan servicer for more information.


  • What will my consolidation servicer do with my application?

    Your servicer will begin by reviewing your application and your eligibility for the repayment plan you selected. Your servicer will contact you and let you know if additional information is needed to complete the processing of your consolidation application. Your servicer will also contact each holder of the loans you want to consolidate to verify that the loans are eligible for consolidation and to confirm the payoff amount. Your servicer will let you know in writing before paying off the loans. Finally, after the loans are paid off, your servicer will communicate and work with you to ensure the successful repayment of your new Direct Consolidation Loan.

    If you are consolidating at least one loan that is in a grace period and request that your consolidation servicer delay processing your Direct Consolidation Loan until closer to the end of the grace period, your servicer will not start processing your consolidation application until the date that displays on your application after you select the number of months in the dropdown box. At the appropriate time, your servicer will complete the actions explained in the first paragraph.

    Note: In all cases, it is critical that you continue to make payments, if required, to the holders or servicers of the loans you want to consolidate until your consolidation servicer informs you that the underlying loans have been paid off.

  • Why would my payment change?

    There are only a few reasons why your payment would change from what was originally quoted. First reason would be because of your income. At the time of application you provided your gross income to your representative, if that income was different than what was confirmed on our site then your payment would be different. Second you also provided a family size. The larger your family size the lower your monthly payment will be. If your family size has fluctuated up or down from what you told your representative at the time of application then the payment would be different.

    Unlike most loans where the goal is to pay the loan down to a zero balance the only requirement of this loan is that you make your monthly minimum payments for the duration of the loan. Most people ask “If I’m only making a minimum payment how do I pay the loan off?” Well that’s a beautiful thing you’re not required to, so unlike your mortgage or your car payment, you make payments till you have a 0 balance. You only have to make whatever payment you can afford to and if there’s anything left over its forgiven. And that is truly the benefit of this program, first you’re able to make a monthly payment but you can afford it based on your current financial situation. And you’re not penalized for making a minimum payment by having to come up with a lump some amount at the end of the term. Like stated before if there’s anything left over it’s forgiven

  • Will my payment stay the same or will I have a new payment every month moving forward?

    Your new payment is guaranteed for the first 12 months after that on an annual basis the Department of Education will contact you to see if anything about your current financial situation has changed. Naturally if your income increases your payment could slightly increase. With that being said if your income decreases or your family size increases then your payment will go down. Your lender will do this every year to make sure that your payment for the next 12 months is as affordable as possible. Once again at the end of the long term if there is any unpaid interest or unpaid principal the balance will be forgiven.

    Once again regardless of the monthly payment the purpose of this loan is to allow borrowers the ability to make a Payment that will always be affordable no matter what their current financial situation. The income programs are a new innovative way to repay a loan. This is one of the only programs in the history of lending that allows a borrower to take control of their loans and not have to be stressed with the concern of being able to make their monthly payments. This is solely because unlike every other loan, which determines your monthly payment based on interest rate and loan amount these programs base your monthly payment and will continue to do so until the balance of the loan is forgiven or it’s paid off.

  • Income Based Payment Explanation:

    The Department of Education’s Income Based repayment options are designed to allow you the ability to make a low affordable monthly payment. These repayment options are based on your INCOME and FAMILY SIZE. The lower your income and the larger your family size is, the lower your monthly payment will be. Unlike a mortgage or car loan where you have to pay the loan in full, the only requirement of the Income Based repayment options are that you make your minimum required payment for the duration of the loan. At the end of the term, if there is any unpaid balance or interest, it will be forgiven and your loans will be considered paid in full.

    This is how it works: Every 12 months the Department of Education will require you to refile your income, this is called Recertification. The DOE will review your income and family size and let you know what you minimum payment will be for the next 12 months. You will do this every year until your loan matures. This will insure that you will always have a payment that you can afford. If you are quoted a $0.00 payment, IT IS NOT AN ERROR. That is what your payment is for the next 12 month until your do your next 12 month recertification. There is no penalty or repercussion for making a $0.00 payment, it just means that based on your current financial situation the Department of Education has deemed that this is the payment you can afford.  At the end of the loan term, all of the payments that you have made will be added up and whatever amount is unpaid, will be forgiven and you loan will be considered paid in full.

  • What are the consequences of defaulting?

    Borrowers who fail to make a payment on time are considered delinquent on their Direct Consolidation Loans. Borrowers who do not make payments for 270 days are in default. Defaultinghas severe and long-lasting consequences, as follows:

    The Department of Education can immediately demand repayment of the total loan amount due.

    The Department of Education will attempt to collect the debt and may charge collection costs.

    The Department of Education reports defaulted loans to national credit bureaus, damaging borrowers’ credit ratings and, making it difficult for borrowers to make purchases such as cars or homes.

    Borrowers with loans in default are ineligible for Title IV student aid.

    Borrowers with loans in default are ineligible for deferments

    The Internal Revenue Service can withhold borrowers’ Federal income tax refunds.

    Borrowers’ wages may be garnished.

    It is important that borrowers with Direct Consolidation Loans stay in touch with your Federal Loan Servicer. Default can occur when borrowers fail to keep their Federal Loan Servicer up to date on address and name changes, causing billing statements to go astray. In addition, your Federal Loan Servicer can offer alternatives when borrowers have trouble making monthly payments. Borrowers may apply for a deferment or forbearance, or change repayment plans.

  • How do I make payments?

    Borrowers will be sent monthly billing statements from their Federal Loan Servicer, unless they enroll in Automatic Debiting.

    Borrowers receive a 0.25 percent discount on their interest rate for as long as they continue to make payments with Automatic Debiting.

    Borrowers must keep their Federal Loan Servicer informed of changes of address and to their names. Borrowers are responsible for making payments on time regardless of whether they receive billing statements. Borrowers should send payments to:

    U.S. Department of Education

    — Direct Loan Payment Center

    — P.O. Box 530260

    — Atlanta, GA 30353-0260

  • When can I expect my first monthly payment to be due?

    Borrowers will receive an initial billing statement from their Federal Loan Servicer within 60 days of the first disbursement of their Direct Consolidation Loan. Payments are due monthly.

  • Is my new payment through the department of education?

    Yes your new payment will be registered through the department education. everything we do is compliant with the department of education.

  • Does consolidating hurt my credit?

    No in fact consolidating can improve your credit . now that you will have one payment due at a much lower payment, it will be easier for you not to miss a payment and get your credit back on track.

  • What is Alternative Documentation of Income?

    Your monthly payment under the ICR and IBR plans is generally based on your most recent Adjusted Gross Income (AGI) as shown on your Federal income tax return and other factors. However, if your AGI is unavailable or does not accurately reflect your current income; your monthly payment amount may be determined based on alternative documentation of income that you provide, such as pay stubs or cancelled checks.

  • Can I change repayment plans?

    Yes. Most borrowers may change repayment plans at any time. However, borrowers who are required to repay under the ICR and IBR plan must make three consecutive monthly payments before changing to another plan. There is no limit to the number of times borrowers may change plans.

  • How long does it take to consolidate my loans once I submit my application?

    The consolidation process generally takes 60-90 days. Using our online Web application can reduce the amount of time it takes to consolidate a borrower’s loan.

  • What is a forbearance ?

    A deferment or forbearance allows you to temporarily postpone making your federal student loanpayments or to temporarily reduce the amount you pay. Find out if you qualify for a deferment orforbearance.

  • What is a deferment?

    This is a postponement of repayment that is available only if you are not in default. The government has deferment programs for specific circumstances such as economic hardship, military service and unemployment. Interest does not accrue on subsidized loans during deferment periods.

  • How can I postpone my payments?

    The government programs and some private lenders allow you to either get a deferment or forbearance to postpone repayment.

  • What is the difference between delinquency and default?

    Delinquency means that you are behind on payments. Once you are delinquent for a certain period of time (usually nine months for federal loans), your lender will declare the loan to be in default. The entire loan balance will become due at that time.

  • How can I avoid going into default?

    You can postpone repayment through forbearance or consolidate your student loans into one so you can have one lower monthly payment.

  • Can I consolidate more than once?

    Only in rare cases, including if you have new loans to consolidate that were not included in the first consolidation loan, if you are in default on a FFEL consolidation loan or if you want to get into the public service forgiveness program.

  • Can I suspend payments on a consolidation loan?

    Federal Consolidation Loan borrowers are eligible for up to three years of deferment and up to three years of forbearance benefits. In certain circumstances, such as a return to school, unemployment or financial hardship, student loan payments can be temporarily suspended. Check with your loan servicer to obtain the necessary forms.


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