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The remainder of the application involves filling in basic personal information and providing names of two references who have known you for at least three years.After you review, sign and submit your application, continue making payments on your existing federal loans until your application has been processed.

View the Total Cost of Borrowing Before you apply, we encourage you to carefully consider whether consolidating your existing debt is the right choice for you.As part of the process, you’ll need to provide details about your existing federal student loans, and choose a federal loan servicer and repayment plan for your new consolidation loan.You have to complete the application in a single session, so do your research before you start.If you have Perkins loans, think twice before consolidating them; you’ll lose access to Perkins loan cancellation if you do.Federal loan servicers are private companies that manage federal loans for the Department of Education.Consolidating multiple loans means you'll have a single payment each month for that combined debt but it may not reduce or pay your debt off sooner.