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STUDENT LOANS

Student Loan Refinance or Consolidation

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Student Loan Options

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Federal student loan consolidation is a government program that allows borrowers to combine multiple eligible federal student loans into one new loan, called a Direct Consolidation Loan.

The program is offered through the U.S. Department of Education and is designed to simplify student loan repayment.

Instead of managing several loans with different balances, interest rates, and payment dates, borrowers can have one loan with one monthly payment.

 

Major benefits of federal student loan consolidation
 

1. Potentially lower monthly payments

Borrowers may qualify for a longer repayment period or an income-driven repayment plan, potentially reducing their monthly payment.
 

2. One convenient monthly payment

Multiple eligible federal loans become one loan, simplifying payment management.
 

3. Fixed interest rate

The new rate is calculated using the weighted average of the loans being consolidated, rounded up to the nearest one-eighth of 1%.
 

4. Access to certain federal repayment benefits

Consolidation may make some loan types eligible for additional federal repayment plans or forgiveness programs, depending on current rules.
 

5. Help with certain defaulted loans

Eligible borrowers may use consolidation as a way to resolve a federal student loan default, subject to program requirements.

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*Holiday hours are subject to change

DAA

Email: info@docassistamerica.com

Phone: (866) 388-9058

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Financial Solutions Provider | Smart Choice America

To check the rates and terms you qualify for, DocAssist America conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application we may request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
We do not offer any services in the following states: CT, OR, IL, MA, MO, MN, NY, NJ, WA.

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Terms and Conditions Apply. SDocAssist America RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet Smart Choice America’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. We offer third party loans within our lender partners.

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DISCLAIMER: Federal Student Loan Programs provided by the Department of Education are generally free to apply for and debtors may apply for relief by themselves. We charge fees for our services, and there is never a Department of Education processing fee. We are not endorsed, sponsored, or in any way related to the Department of Education. A consolidation combines several loans into one for the purpose of lowering a student loan payment. We make no guarantees about APR upon consolidation. APR is set by your student loan servicer. For more information on Fee Free Federal Student Loan Programs please visit www.ed.gov. We solely assist in preparing applications for Government benefits and you are not required to use or obtain these benefits.

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