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There are companies that may offer to help you consolidate your federal loans with the federal government, for a fee, but you don’t have to pay for this service.

Consolidating with the federal government is a process you can do on your own, at no cost.

If you have federal loans, the Department of Education has free programs that could help, including: These options are free.

You can learn more at the Department of Education’s Student Aid.gov/repay or by contacting your federal student loan servicer. With private student loans, you typically have fewer repayment options, especially when it comes to loan forgiveness or cancellation.

FSA ID stands for your Federal Student Aid Identification. You use your FSA ID to: Only you can create and use your FSA ID. Dishonest people could use your FSA ID to get into your account and take control of your personal information.

Student loans are debt you have to pay back, even if you don’t finish your degree.

Consolidating a low-interest Perkins loan may not be in your favor.

If you have private loans, talk to your loan servicer.

For federal loans, call the Department of Education’s Loan Consolidation Information Call Center at 1-800-557-7392.

When you consolidate your loans, you get a brand new loan with new terms.

If all of your education loans have fixed interest rates, it may not matter when you consolidate.




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