Consolidate or refinance federal student loan debt.
Do-It-Yourself Student Loan Consolidation
What’s the difference with income-contingent repayment?
Qualifying for Pay as You Earn consolidation
Consolidate with a standard repayment program
Consolidate with a graduated repayment program
How Income-Based Repayment Programs Work
Student loan consolidation vs. refinancing
Have the remaining balances on your loans forgiven.
Answers to big questions about student loans.
DISCLAIMER: Debt.com does not provide direct debt adjustment services, but upon request, acts as a locator service for BBB registered companies. All federal student borrowers are able to and encouraged to learn about, and apply for, any federal re-payment and forgiveness programs through the US Department of Education and other sources for free without paying fees to any person, company, or counselor. Nothing on this site constitutes ANY official qualification or ANY guarantee of result. All telephone numbers listed may connect to private companies offering fee based services to assist with application preparation for federal and other loan programs.
Please note: Only the US Department of Education can provide determination of eligibility and exact payment amount for any government forgiveness or repayment program listed on this website. Also, all forgiveness and re-payment programs may be applied to for free without paying anyone for assistance through the US Department of Education. Our calculators, estimators and eligibility tools are strictly to help consumers understand potential options estimate potential payments and do not provide any guarantee of enrollment, qualification, or payment amount for ANY programs.