The Direct Consolidation Loans Web Site-this U.S. Department of Education web site provides information to borrowers, schools, and loan holders. Borrowers can apply online for consolidation of their federally insured student loan debt. The Higher Education Act (HEA) provides for a loan consolidation program under both the Federal Family Education Loan (FFEL) Programs and the Direct Loan Program. Under these programs, a borrower's loans are paid off and a new consolidation loan is created. These programs simplify loan repayment by combining several types of Federal education loans (that may have different terms and repayment schedules or may have been made by different lenders) into one new loan.

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Money Management International (MMI) is a nonprofit, full-service credit-counseling agency, providing confidential financial guidance, financial education, counseling and debt management assistance to consumers since 1958. Counseling is available by appointment in branch offices and 24/7 by telephone and Internet. To learn more, call 800.432.7310 or visit www.MoneyManagement.org.

Student Loan Consolidation - Consolidate your student loans to lower your monthly payment for federal and private student loans.

Federal Stafford Loans are a form of Federal Financial Aid to help an undergraduate or graduate student pay for their education. Research and apply for a stafford loan, and other forms of financial aid at StaffordLoan.com and Student Loan Network.

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Student Loans – apply online, cover up to 100% of your school expenses. Call (877) 680-9879. Plus, find free money, search over $16 billion in scholarships.