Discover the Benefits of Loan Consolidation
A Direct Loan Consolidation combines your loans, allowing you to pay ONE monthly payment on all of your student loans. To help us determine your eligibility for loan consolidation, fill out the form on this page. One of our account managers will contact you shortly.
Pay As You Earn (PAYE)
It’s as simple as that. Under this plan, your payment amount is based on what you earn.
Income Based Repayment (IBR)
This plan lowers your monthly payment and is intended to be affordable based on your income and family size.
Income Contingent Repayment (ICR)
If you have a low income but do not qualify for the Income-Based Repayment Plan (IBR), you may be eligible for the Income-Contingent Repayment (ICR) Plan. This plan is based on your adjusted gross income, family size, and the total amount of your Direct Loans.
For answers to your frequently asked questions, please see this page on Student Loan Consolidation.