Student loan consolidation is a powerful financial reset button for borrowers in default, struggling with high payments, or juggling multiple loans.
At Total Credit Rehab, we make consolidation simple—and effective.
What Is Loan Consolidation?
Loan consolidation merges your eligible federal student loans into one new loan. This allows you to
✔ Get out of default
✔ Restore eligibility for repayment, deferment, and forgiveness
✔ Lower your monthly payment
✔ Protect yourself from collections or garnishment
How It Works:
- Log in with your FSA ID at StudentAid.gov
- Select all eligible loans for consolidation
- Choose a repayment plan (hint: we recommend IDR plans like SAVE, IBR, or PAYE)
- Submit income, family size, and tax info
- Select a new servicer (never pick the one you were previously in default with)
Consolidation Can Help You:
- Go from default to current in 30 days
- Stop all future garnishments
- Avoid IRS offsets on next year’s tax return
- Qualify for $0/month payments
- Re-enter deferment or forbearance if needed
📲 Need help choosing the right plan or servicer?
Apply Now and let our experts walk you through it.
