Law Library- J.D. Admissions
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Consolidation
Syracuse College of Law > Admissions and Financial Aid > Financial Aid > Loan Repayment > Consolidation
| Loan Repayment | Know What You Owe | Loan Repayment Calculator | Exit Counseling | Consolidation | IBR/Pay As You Earn | Public Service Loan Forgiveness | 3L Loan Repayment Session Recording |
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Once borrowers leave their In-School status, they may combine multiple federal student loans into one new loan with a fixed interest rate (based on the weighted average interest rate of the loans that are being consolidated).
- Borrowers with multiple lenders and/or multiple loan servicers may elect to consolidate for the convenience of making a single payment to a single servicer.
- Borrowers with FFEL debt who plan to pursue public interest jobs may consolidate eligible loans into a Direct Consolidation Loan in order to make qualifying payments for Public Service Loan Forgiveness.
- Federal student loan consolidation is available through the William D. Ford Direct Loan program
- Apply online at https://loanconsolidation.ed.gov
- It could take the federal processor several months to finalize a borrower's Direct Federal Consolidation Loan Application. Borrowers may apply anytime after they leave school and, to avoid forfeiting existing grace periods, select the Consolidation Hold Option on the online application.
