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  • Make a Single Monthly Payment
  • Interest Rates are Low and Fixed
  • Consolidating Now is Easier and Less confusing

Today it seems hard to find someone who doesn’t have student loan payments. A few years ago the amount of student loan debt in America rose about credit card debt for the first time. The payments can be steep, and the monthly regimen of making sure payments are going to the right lender for the right amount and at the right time can be truly difficult. The good news is that there is a way to organize your student loans. The method is through a student loan consolidation program offered by the US Department of Education. The program allows borrowers to consolidation all of their student loans into one loan that requires only 1 payment per month, not several. wants to help you consolidate your student loans. Here are some of the benefits of student loan consolidation:


  • Low and fixed interest rates – In most cases a student loan consolidation will allow for fixed, lower interest rates than the borrower previously saw when the loans were still separated. In some scenarios the borrower could actually see their monthly payments reduced after a successful consolidation.
  • One monthly payment – This is easily the most obvious benefit of student loan consolidation, but it is a huge help to people with several loans across several lenders. After a student loan consolidation borrowers have only one lender: the U.S. Department of Education.
  • Flexible repayment options – There are several different repayment options that you will be able to choose from when it comes to student loan consolidation. Here are just a few:

■      Standard Repayment Plan – A standard repayment plan lasts for 10 years and involves a fixed monthly payment that is calculated using the size of your loans

■      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.

■      Income Based Repayment – An income based repayment plan allows the borrower to only pay what they can afford based on their current income.


If you struggle every month to keep up with your student loan payments, lenders, and/or due dates then a student loan consolidation may be able to help. Wouldn’t it be easier to have a single monthly payment to think about every month? can help you find a repayment plan that is right for you and have you on your way to a student loan consolidation in no time. Just call our toll free number or fill out our free online application today for more information!


"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.