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Free student loan forgiveness and consolidation services! Call us today at Toll-Free: 1-877-272-5331 What are you waiting for? NSLCS is dedicated to helping our customers understand their student loan repayment options better.
Unfortunately with Federal Student Loan Debt you cannot discharge these loans through bankruptcy. Since you are thinking about bankruptcy am I right to assume that you are in some sort of a financial hardship? Reason I asked is because we offer numerous different repayment plans that can have your monthly payments as low as $0 a month. With these same repayment options you may also be eligible for loan forgiveness and therefore accomplishing your goals.
With all the new acts in place to assist graduates or people with student loan debt like you, there are repayments options that focus on more of your family size and annual household income as opposed to your conventional repayment plans. Given your current situation you have been qualified to take advantage of some of these programs.
The biggest benefit with student loan consolidation is peace of mind of just one lender. As to savings it will vary depending on your current financial situation and job type. We offer numerous different repayment options that are geared towards reducing your monthly payments thereby saving you money. With many of our programs you could also be eligible for loan forgiveness.
Yes you can consolidate on your own. However, you can also download the necessary forms from the IRS and file your taxes yourself. But you either purchase software or hire an accountant/CPA to help you file them. Why? So you can maximize your return and make sure your taxes are filed correctly. The same concept applies with Student Loan Consolidation. You can do it on your own but we guarantee that your paperwork is filed to the Department of Education's underwriting standards, ensuring that your consolidation will be accepted immediately. We also make sure that you receive all of the benefits that you may be eligible for, such as forgiveness plans.
Carefully consider whether loan consolidation is the best option for you. Loan consolidation can greatly simplify loan repayment by centralizing your loans to one bill and can lower monthly payments by giving you up to 30 years to repay your loans. You might also have access to alternative repayment plans you would not have had before, and you’ll be able to switch your variable interest rate loans to a fixed interest rate.
However, if you increase the length of your repayment period, you'll also make more payments and pay more in interest. Be sure to compare your current monthly payments to what monthly payments would be if you consolidated your loans.
You also should consider the impact of losing any borrower benefits offered with the original loans. Borrower benefits from your original loan, which may include interest rate discounts, principal rebates, or some loan cancellation benefits, can significantly reduce the cost of repaying your loans. You might lose those benefits if you consolidate.
If you want to lower your monthly payment amount but are concerned about the impact of loan consolidation, you can consider reevaluating your budget and income situation. You can also consider deferment or forbearance as options for short-term payment relief needs.
Once your loans are combined into a Direct Consolidation Loan, they cannot be removed. The loans that were consolidated are paid off and no longer exist.

Most federal student loans, including the following, are eligible for consolidation:

  • Direct Subsidized Loans
  • Direct Unsubsidized Loans
  • Subsidized Federal Stafford Loans
  • Unsubsidized Federal Stafford Loans
  • Direct PLUS Loans
  • PLUS loans from the Federal Family Education Loan (FFEL) Program
  • Supplemental Loans for Students (SLS)
  • Federal Perkins Loans
  • Federal Nursing Loans
  • Health Education Assistance Loans
  • some existing consolidation loans

Private education loans are not eligible for consolidation. If you are in default, you must meet certain requirements before you can consolidate your loans.

PLUS loan made to the parent of a dependent student cannot be transferred to the student through consolidation. Therefore, a student who is applying for loan consolidation cannot include the PLUS loan the parent took out for the dependent student’s education.

A complete list of the federal student loans eligible for consolidation is available in the application.


A Direct Consolidation Loan has a fixed interest rate for the life of the loan. The fixed rate is based on the weighted average of the interest rates on the loans being consolidated, rounded up to the nearest one-eighth of 1%. There is no cap on the interest rate of a Direct Consolidation Loan.

Repayment of a Direct Consolidation Loan can begin 60 days after the loan is disbursed, or sooner. Your loan servicer will let you know when the first payment is due. The repayment term ranges from 10 to 30 years, depending on the amount of your consolidation loan, your other education loan debt, and the repayment plan you select.

Note: If any loan you want to consolidate is still in the grace period, you can delay entering repayment on your new Direct Consolidation Loan until closer to your grace period end date. You will indicate this when you apply, and the consolidation servicer will wait to process your application until the appropriate time.


There are several repayment plans that are designed to meet the different needs of individual borrowers. You will receive more detailed information on your repayment options from your consolidation servicer when you consolidate your loan.

This depends on your needs. ED has resources to assist you before you apply, while you complete the application, and after you submit your application.

To ask questions about consolidating your loans before you apply for a Direct Consolidation Loan, contact the Loan Consolidation Information Call Center at 1-800-557-7392.

To request technical assistance while signed in and completing the Federal Direct Consolidation Loan Application and Promissory Note online, select the “Contact Us” tab in the top menu bar of From there, you can either complete and submit the feedback form or select “Additional Information” and contact the Student Loan Support Center at the phone number provided.

To ask questions after you submit your Federal Direct Consolidation Loan Application and Promissory Notecontact the consolidation servicer you selected to complete the actions required to consolidate your eligible loans. If you submitted your application electronically, your consolidation servicer’s contact information was provided at the end of the electronic process. If you submitted a paper application by U.S. mail, your consolidation servicer’s contact information was available when you downloaded or printed the paper application.


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National Student Loan Credit Services
Customer Care

3700 N State Rd 7, Suite 204
Lauderdale Lakes, FL 33319

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Non-Lawyer Disclaimer: We are a non-lawyer self-help service that provides document preparation at your specific direction. We are not attorneys and cannot provide legal advice. The contents of this page nor of any conversation you have with us should or may be construed as legal advice. If you have legal questions you are encouraged to consult with or retain an attorney.