Debt Payoff Guide is a free service that connects consumers with third-party debt-relief providers. We are not a lender, law firm, credit-counseling agency, or debt-settlement company, and we do not provide financial, legal, or tax advice. Information here is general and not a recommendation.
Consolidation combines multiple student loans into one. Federal loans use a Direct Consolidation Loan, which keeps federal protections but may not lower your rate. Private consolidation (refinancing) can lower the rate for strong credit, but replaces federal loans and gives up their protections. Weigh that trade-off before refinancing any federal debt.
Related: Types & Options · what debt relief costs · debt payoff calculator.
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