Who should I contact to consolidate my loans?
Federal Loans
- Visit the Direct Consolidation Loan Application page to begin.
- For details, explore the Federal Direct Consolidation Loan program.
Private (Alternative) Loans
- Contact your lender directly to ask about consolidation options.
- Note: Private loan consolidation may not offer the same benefits as federal loan consolidation.
Before you consolidate, review the pros and cons to decide if it’s the right move for you.