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DISCLAIMER: Federal Student Loan Programs provided by the Department of Education are generally free to apply for and debtors may apply for relief by themselves. We charge fees for our services, and there is never a Department of Education processing fee. We are not endorsed, sponsored, or in any way related to the Department of Education. A consolidation combines several loans into one for the purpose of lowering a student loan payment. We make no guarantees about APR upon consolidation. APR is set by your student loan servicer. For more information on Fee Free Federal Student Loan Programs please visit www.ed.gov. We solely assist in preparing applications for Government benefits and you are not required to use or obtain these benefits.