Note4: How to Consolidate

you will be connecting to our affiliated sites within the
SayPlanning / SayLending network

— no credit check required
— no qualifying criteria except your student status
— no co-signers
— no cost or fees when you apply
— no employment check
— no pre-payment penalities

— name
— current address
— social security number
— date of birth
— home phone number

— driver license number
— state drive license issues

— your employer name
— employer address
— employer phone

Note: you do not need to be currently employed to qualify for federal consolidation program

— date of separation
— name of last school

— reference1 name and address
— reference2 name and address

You will need to supply the names of two references. These are references who are not living with you but have known you for three years or more

— loan type
— loan balance and rate
— loan holder information

You can find this information at the Department of Education: click here

Note: our consolidating partners can assemble your loan information for you. Simply start your application here

• you can e-sign your application using the online application or phone application — this allows faster processing of your application without the paperwork and physical signatures

• a consolidating specialist may need to contact you to verify your loan information — make sure you leave a valid phone number or email address

• an electronic copy of your application will be sent to your email address for your records — make sure you contact your consolidator if you need to make revisions

• your consolidator will then certify your information with your lenders and schools (to verify that the loan information is correct)

• once your loan information has been certified, your consolidator will then work with designated lender who will underwrite your loan

• you will receive notification from your consolidator and lender that your loans have been consolidated with information on your new loan and payment terms

• you should continue to make all of your regular payments on the loans that you consolidated until you receive your new Loan Consolidation Disclosure Statement and Repayment Schedule from your new loan servicer

• the entire process can take about 2-3 weeks