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Borrowers have different needs, so there are several repayment plans—including income-driven repayment plans, which base your monthly payment amount on your income and family size.
You’ll select a repayment plan when you apply for a Direct Consolidation Loan. You apply for a Direct Consolidation Loan through Student After you submit your application electronically at Student or by mailing a paper application, the consolidation servicer you selected will complete the actions required to consolidate your eligible loans.
Whom do I contact if I have questions about consolidation?
If you submitted your application online, your consolidation servicer’s contact information was provided at the end of the online process.
Actual APR based on repayment term selected and the creditworthiness of you, and of your cosigner, if applicable.