You can research and apply for loan consolidation and program enrollment at no cost through the Department of Education (DOE). Student Advisor Center (SAC) is not affiliated with the Department of Education and is a private company that charges a fee.

Welcome to The Student Advisor Center (SAC). Get the fresh start you need with professional help to lower your student loan payment and start living again.

Call (800) 990-9146 now for a free consultation to find out if you can:

  • Qualify for the Student Debt Forgiveness Plan
  • Avoid defaulting
  • Prevent or stop tax and wage garnishments
  • Refinance or consolidate debts into affordable payments

How Student Loan Consolidation Benefits You

A student loan consolidation takes the borrowers loans and combines these into one new loan with one lender, and one static average interest rate. This removes the burden off of the borrower from having to keep track of his/her many different loans with different lenders, balances, and interest rates. Consolidation programs exist for both federal and private student loans, but we will be discussing federal student loan consolidation.

What types of loans can be consolidated?

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.

A 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.

Repayment Options

The four repayment plans are the Standard Repayment, Graduated Repayment, Income Contingent Repayment and the Income Based Repayment.

We recommend that you research all of the free government programs available to you and apply for the one that best fits your situation. Keep in mind that many government programs have monthly or yearly requirements that you must understand, meet and recognize in order to stay in them. We help people every day get enrolled in the right program, so if you are not confident or do not have the time to apply to the correct Student Loan program yourself, give us a call at (800) 990-9146.

You can consolidate your own student loans at Federal Student Aid, or see if you qualify for a Student Debt Forgiveness Plan now.
Call (800) 990-9146 (sorry, no defaults) or click-to-call below.