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  • Make a SiNgle MoNthly PaymeNt
  • INterest Rates are Low aNd Fixed
  • CoNsolidatiNg Now is Easier aNd Less coNfusiNg

What is Student Loan Consolidation?

Many people are surprise to hear that Student Loan Consolidation is a federal program available to borrowers through the US Department of Education. Eligible borrowers can have federal loans or a mix of both private and federal loans. It allows the borrower to combine all of their student loans into a single loan which means that they are making a single monthly payment. Typically the interest rates are low and fixed. If you are struggling with trying to keep up with what you owe, where you owe it, and all of the other hassles that come with student loans then student loan consolidation could be a viable option for you. Here at we want to help you with student loan consolidation. By providing us with a small amount of information on our free online application we can have a representative call and discuss your options with you. You could be on your way to a stress free student loan repayment process.


Benefits of Consolidating Student Loans

The most obvious benefit of choosing to consolidate student loans is that once the process is complete you will just have one payment per month to worry about. You won’t have to worry about missing a payment, which loan has a higher interest rate, etc. This benefit alone is reason to look into student loan consolidation rates. Another fantastic benefit of consolidating student loans is that you are presented with several payment options. Here are just a few:

  1. Standard Repayment Plan – The standard repayment plan lasts for 10 years and involves a fixed monthly payment that is calculated using the size of your loan
  2. Extended Repayment Plan – An extended repayment plan lasts for 25 years and allows the borrower to choose between a fixed monthly payment or one that gradually increases over time.
  3. Income Based Repayment – This type of repayment plan involves the borrower only paying what they can afford based on their current income.

These are just a few of the repayment options that student loan consolidation can offer you. The trick is to find what works for you, your family, and your budget. At our representatives can help you with that.


How To Consolidate Student Loans

Here at we strive to make the student loan consolidation process as simple as possible for you. We’ll begin by collecting some general information from you, such as your name and telephone number, using our free online application. After your application has been processed a representative from will contact you to discuss your loans and repayment options. Everyone’s financial situation is different so it is important to factor in variables such as overall loan amount, family size, household income, and of course the student loan consolidation rates. Once you and the representative have discussed your options you will select a plan and we will begin to prepare your student loan consolidation application for you to submit to the US Department of Education. If you are approved then you will receive a promissory note for your new consolidated loan as well as paperwork outlining the details of your student loan consolidation rates.


Is Student Loan Forgiveness Really An Option?         

The answer to this question is yes! Some people find it hard to believe, but thanks to the student loan forgiveness act this is truly an option. In fact, studies show that more than 33 million American workers qualify to have their student loans forgiven because they work in schools, hospitals or city halls, but too few take advantage of the options because the programs are overly complicated and confusing. At we can help with that!  To be eligible for student loan forgiveness borrowers have to meet two qualifications. The first is to make 120 on-time monthly loan payments under the Income Contingent Repayment Plan, the Income-based Repayment Plan, or the Pay as You Earn Repayment Plan. The second part of qualifying for student loan forgiveness is working at a qualifying, full-time, public service job which is ultimately any employment with a federal, state or local government agency or organization, or a not-for-profit organization that has a 501(3)(c) tax-exempt granted by the IRS.


Should You Use Student Loan Consolidation Companies?

Student loans consolidation is a federal program through the U.S. Department of Education that anyone can apply for on their own, but using  can make the process easier and less confusing. We have experience on our side. You will have an representative to speak to and ask any question that you wish so that nothing seems overwhelming. If you are struggling with keeping up with your student loans and think that one payment per month sounds great, then fill out our online application today!


"Thanks and I have enjoyed my association with you and your company. I would have never been able to do this on my own. Again, thanks for your help." Sandy P.

"My first student loan payment out of many loans was coming up and it was going to put a huge dent in my pocket. But luckily for me I found Apple Debt Care; they really helped me consolidate all my loans and now I only have to make one low payment that I can actually afford." - Eddy A.

"Thank you so much, I appreciate working with you and AppleDebtCare; You have already helped me so much and are continuing to help me get back on my feet and to manage my debt better." Demetrice M.