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Consolidation can lower your monthly payment by giving you a longer period of time (up to 30 years) to repay your loans.

If any of the loans you want to consolidate are still in the grace period, you have the option of indicating on your Direct Consolidation Loan application that you want the servicer that is processing your application to delay the consolidation of your loans until closer to the grace period end date.

mail, your consolidation servicer’s contact information was available when you downloaded or printed the paper application.

gov or by mailing a paper application, the consolidation servicer you selected will complete the actions required to consolidate your eligible loans.

If you are on a personal connection, like at home, you can run an anti-virus scan on your device to make sure it is not infected with malware.

If you are at an office or shared network, you can ask the network administrator to run a scan across the network looking for misconfigured or infected devices.

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