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Here’s how: Federal student loan consolidation basics How to consolidate federal student loans Student loan refinancing basics Compare student loan refinance lenders When you consolidate federal loans, the government pays them off and replaces them with a direct consolidation loan.
[Back to top] Applying for consolidation takes most borrowers less than 30 minutes, according to the Federal Student Aid website.On the standard repayment plan for direct consolidation loans, you’ll make equal monthly payments for 10 to 30 years, depending on your total federal student loan balance.Alternatively, there are six other repayment plans to choose from, including four income-driven plans.To find the best plan for you, check out Federal Student Aid’s repayment estimators before you begin the consolidation application.
The tool shows you how much you’d pay per month on the various plans.
If you choose an income-driven plan, you’ll be asked to provide income information on the application by granting access to your IRS tax information.