Federal student loan consolidation

Thinking about student loan consolidation?

Student loan consolidation is the smart way to manage your finances after school. By consolidating with Sallie Mae, you are choosing a company that leads the student loan industry with more than 30 years of experience, superior servicing, and exceptional student loan consolidation benefits including:
Guaranteed lowest interest rate allowed by the federal government
Easy, fast and secure online applications
E-signature to make the student loan consolidation process even easier
Borrower discounts to lower your interest rate just by paying on time
Free concierge service—we'll fill out the application for you
No application fees or credit checks

There are no prepayment penalties with your consolidation loan, so Sallie Mae encourages you to pay more than the minimum student loan payment each moth. Paying extra will reduce the amount you pay over the life of the loan.
Got questions about student loan consolidation?

We've got answers: View the details of the federal consolidation loan, or visit our student loan consolidation FAQ where you will find answers to our most frequently asked questions, organized by topic area.

Calculate your different repayment options with our student loan consolidation calculator.

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