How to Consolidate Your Student Loans - Free and Easy

How to Consolidate Your Student Loans in 4 Easy Steps

Most student-loan borrowers don't know they can consolidate their federal loans for free, and companies across the U.S. have been ripping students off by charging borrowers expensive closing costs and monthly fees.

These rip off companies claim that consolidating federal student loans is too difficult for you to do yourself. They even claim it can only be done through them.

That's total B.S.

In truth, federal student-loan consolidation is a FREE RIGHT that every student-loan borrower has, and it can only be done through Federal Direct Consolidation Loans, not thesHow to Consolidate Student Loanse scammers.

ALL student loan consolidations must be processed through the Direct Loans' main website, This means that the scam debt relief companies promising to consolidate your student loan are going through the same website you can do yourself! So do it yourself, it's easy and free! People will actually help you with the process if you need help - FREE!

Here are the 4 easy FREE steps:

1. Make sure to have your student aid (FAFSA) pin number. If you do not know it, go to and click on “Request a duplicate pin” in the left hand column. Follow the instructions provided.

2. Go to and click “Sign In” at the top left of the page.

3. Once signed in, scroll down on the left hand column, and look for the “Repayment” tab. And directly underneath the tab is a link that says “Complete Direct Consolidation Loan Application” and “Promissory Note.”

4. Click that link, and click “Start Application.”

Most of the application is personal information (i.e. address, date of birth, social security number, driver’s license number, etc.). You'll find the process surprisingly simple. Federal student-loan debt information will auto-fill automatically; there is no need to look up loan balances or interest rates.

To prepare for the application, you'll need two references with the reference's name, address, telephone and email. This is easy. These references can even be family members, but they cannot live with you.
Remember, there is no need for any borrower to give his or her money away to a debt-relief company. The federal government established consolidation as a free right for every student loan borrower.

The process is easy, quick and free. If you have questions just call the Direct Loans at 1-800-557-7392. They will help you for FREE! 

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