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Are you interested in making your student loan debt a little easier to handle? How about turning the several payments you have to make each month into just one payment? Student Loan Consolidation can do both of those things. The US Department of Education offers student loan consolidation to individuals with federal or private and federal student loan debt. The process makes student loan payments, lenders, and overall debt easier to manage each month. Here’s how the process works with


  1. Application – The first step in the student loan consolidation process is to fill out the free online application right here at The application will gather simple information about you, your financial situation, and most importantly your student loans. You will want to know student loan amounts and lenders to complete the application.
  2. Discussion – After you submit your application a representative from will reach out to you to discuss how student loan consolidation could help your specific situation. This will include a discussion about the various repayment plans that you will have to choose from.
  3. Decisions – During the conversation you have with the representative you will choose the repayment plan that will best fit your budget. There is a standard repayment plan that lasts for 10 years, an extended repayment plan that lasts for 25 years, and even an income based repayment plan that allows you to only pay what you can afford.
  4. Approval – Soon after choosing your repayment plan prepare the student loan consolidation application that you will submit to the US Department of Education for approval. Once you are approved the US Department of Education will issue you a promissory note for your new consolidated loan as well as paperwork outlining the details of the new interest rates.


It is clear that the US Department of Education created this program to help those who are struggling each month with how to manage their various student loan payments, but sometimes the process to enroll in a federal program can be difficult. A we do not wan you to worry about the ins and outs of applying for the program. Let us handle the complex paperwork and equations while you get ready to enjoy the stress free life of only have 1 student loan payment each month. There’s no need to wait, just call our toll free number or fill out our easy online application to get the process started 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.