Who to contact about consolidating student loans

For many borrowers, this is the most practical option for getting out of default.

Learn more » Canceling your loan is only available in limited situations, but if you’re in default, it could be an option for you.

If a debt collector refuses to offer you an option for which you believe you qualify, submit a complaint with the Consumer Financial Protection Bureau online or call (855) 411-2372.

Note: You are only able to rehabilitate your loan once.

Here is what you need to do and be aware of in the rehabilitation process: It is incredibly common for debt collectors to tell you that you have to pay a certain amount — often one that goes beyond what you can afford — and this is wrong, and now illegal.

On the flip side, if you have a Parent PLUS loan and consolidate it with other Direct Loans, you’ll lose access to most income-driven repayment plans on the entire consolidation unless you exclude the Parent PLUS loan from the consolidation (which you can do).

Parent PLUS loans are only eligible for the income-contingent repayment plan, but you have to have a Direct Consolidation first.

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