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When you apply for a Direct Consolidation Loan, you don’t have to consolidate all of your eligible loans.
You’ll select a repayment plan when you apply for a Direct Consolidation Loan. You apply for a Direct Consolidation Loan through Student After you submit your application electronically at Student or by mailing a paper application, the consolidation servicer you selected will complete the actions required to consolidate your eligible loans.To do this, many or all of the products featured here are from our partners. Ideally, that new debt has a lower interest rate than your existing debt, making payments more manageable or the payoff period shorter.The option that best suits you depends on your overall debt load, credit score and history, available cash and other aspects of your financial situation, as well as your self-discipline.Most issuers charge a balance transfer fee of around 3%, and some also charge an annual fee.Before you choose a card, calculate whether the interest you save over time will wipe out the cost of the fee.