How do you know if loan consolidation is right for you? Use our online, step-by-step consolidation guide to walk you through the process.

Is loan consolidation right for me?
Weigh the advantages and disadvantages and determine if you're eligible.

Considering alternatives to consolidation
Re-evaluate your current FFEL loan repayment options.

Which loans may I consolidate?
Determine which loans are eligible for consolidation.

Estimate your new monthly payment
Calculate your repayment term, interest rate, and monthly payment.

Understand consolidation loan terms
Familiarize yourself with your new terms and benefits.

Applying for consolidation loans
The right time, fees and application process.