Apply Now for Student Loan Consolidation

Federal Student Loan Consolidation

Reduce your monthly payment by as much as 53%!

Citi Forward for College Students

Federal Direct student loan consolidation is a practical repayment management option that enables you to bundle all of the federal direct student loans you received to finance your college education into a single loan.

Did you know that holding Federal Direct Student Loans such as the Direct Stafford Loan and Direct PLUS Loan means you are more likely to be approved for student loan consolidation than holding any other kind of loan?

Requirements for Federal Direct Loan Consolidation

  • Minimum amount outstanding of $20,000 in Federal loans
  • Loans must not be in default
  • Must be graduated or enrolled less than half time

Apply now and you will secure a low fixed interest rate for the life of the loan.

Benefits of Federal Student Loan Consolidation

  • Reduce your monthly payment by up to 53%!
  • Apply now and lock in a lower rate for the life of the loan
  • Simplify your finances by making one loan payment a month
  • Match your repayment plan and term to your financial situation
  • There are no fees, no credit checks, and no application or origination charges associated with your application!

Consolidation can significantly reduce your monthly payment burden. That's because student loan consolidation allows you to stretch your repayment period from the standard 10 years to up to 30 years, depending on the amount of your education debts. The lower payment means you'll have more money available to meet other household expenses, including car payments, childcare, and career-related necessities.

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