Consolidation combines your federal student loans into one loan with one monthly payment, but it has both pros and cons. Find out what you need to know before you consolidate.
FEATURED
FEATURED
Loan Repayment
Learn about the eligibility requirements for federal student loan forgiveness and repayment programs.
If your student loan payments are too high compared to your income, you might be able to switch to a different repayment plan. Applying is free.
If you get a total and permanent disability (TPD) discharge, you don’t have to repay your federal student loan(s) or complete your TEACH Grant service obligation. Learn more about the three ways to qualify and how to apply online.
Become a PSLF Help Tool expert by reviewing the basics and our employer database tips.
Manage your PSLF progress with the help of the online tools available on StudentAid.gov.