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Instructions and Help about Consolidate Subsidize Permit Gratuit

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You can add an eligible federal student loan (or loans) to an existing Direct Consolidation Loan within 180 days after the date the consolidation loan was made. Once the 180-day time frame expires, you'll have to apply for a new Direct Consolidation Loan if you want to add more loans.
If you have only private student loans or a mix of federal and private student loans, you can't combine your debt with a Direct Consolidation Loan. Only federal loans qualify. However, you could combine the two loans into one loan by refinancing with a private lender.
But while you can't transfer private loans to the federal government, you can consolidate both federal and private loans with a private lender. The goal with this process is not only to get the ease of a single payment, but to receive a lower interest rate based on your financial history.
It can be overwhelming and confusing to have many payments to a bunch of loan providers, so it can simplify things to concentrate on a single loan payment. Consolidating your student loans also won't affect your credit score much. Federal consolidation doesn't incur a credit check, so it won't hurt your credit score.
You can only consolidate student loans one time. If interest rates fall after you consolidate, tough break! You're stuck with the interest rates you agreed to during consolidation.
Sallie Mae consolidation is no longer offered for their private loans. However, students can refinance their Sallie Mae and other private student loans through another private lender or bank, which would then switch over the management of the new refinanced loan to that lender.
A Direct Consolidation Loan allows you to consolidate multiple federal education loans into one loan at no cost to you. Once the consolidation is complete, you will have a single monthly payment on the new Direct Consolidation Loan instead of multiple monthly payments on the loans you consolidated.
Current law dictates that you can consolidate only once, so if you consolidate at a 6 percent interest rate and rates later drop to 3 percent, you're out of luck. There are two exceptions: If you've since gone back to school and acquired new student loans.

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