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This compensation may impact how and where products appear on this site (including, for example, the order in which they appear).It is this compensation that enables to provide you with services like free access to your credit scores at no charge.In several instances, your monthly payment could be lower (sometimes significantly lower), but you will pay thousands of dollars more in interest. You’ll need to have information about each of your loans, including the loan code, loan account number and estimated payoff amount.Some debt relief companies offer to consolidate your loans for a fee, but this isn’t necessary. You’ll have to submit your name, address, Social Security number, driver’s license state and number, contact information and two references who’ve known you for at least three years. This information should be on your monthly billing statement.For example, say you have three credit cards and decide to use debt consolidation to combine all three into one larger consolidation loan.In that case, the new loan would have a balance equal to the sum of the other loans. You've probably heard of credit card balance transfers, but another option is a personal loan.In addition, you'll have a fixed payment schedule that requires you to pay back the debt in 2 - 5 years (depending on the terms of the loan).That can help you avoid the minimum payment trap that can keep you in debt for years to come.

If you extend your loan terms, you will have a lower monthly payment.

Most, but not all, federal loans are eligible for the program.

Here are some additional requirements: If you just graduated with three federal Direct Subsidized loans, one for ,000, one for ,000 and one for ,000, and you get a job earning ,000 a year in San Francisco, you’ll pay off the loans in 10 years and pay a total of ,409 once you start making payments under the Standard Repayment Plan.

There are a variety of private lenders that offer student loan refinancing, each with different potential interest rates, loan terms and features. When you consolidate your student loans, you essentially combine multiple loans into one.

To facilitate the consolidation, a lender will pay off your current loans and issue you a new loan for the total amount you owe.

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