you should take advantage of the federal student loan consolidation program. You can combine your loans into one low, repayment plan that fits your budget.

Benefits include —

• single billing
  if you have mulitiple student loans (meaning that you borrowed money each academic year), you will have different repayment terms and due dates. You may have multiple payments that you need to make each month.
  
  By consolidating your student loans, you end up with one, single payment each month.
  
  
• reduce payments:
  you can consolidate your student loans under repayment terms that meet your budget. By extending your term to 20-30 years, you can drop your existing payment by half. That puts extra money in your pocket for those other important needs.
  
  
• lock-in fixed rates:
  some of your current student loans may have variable rates that can go up or down each year. You can lock-in a low, fixed rate by consolidating your student loans.
  
  
• get borrower benefits:
  consolidate through our program and receive borrower benefits that can reduce your payment even further
  
  
• expect no penalities
  you can prepay your consolidated student loan anytime you like. There are no prepayment penalities of any kind.
  
  
• expect no penalities:
  no need to worry about your credit score. The federal consolidation program does not require a credit check. Almost all students qualify for the federal consolidation program.
  
  
• for more information:
  link to our affiliated site to consolidate your student loans. Use our quick calculator to estimate how much you can reduce your monthly payment: click here for consolidating student loans