Welcome To The Learning Center

When Can I Consolidate?

Generally, you are eligible to consolidate after you graduate, leave school, or drop below half-time enrollment.

What Is The Interest Rate?

A Direct Consolidation Loan has a fixed interest rate for the life of the loan. The fixed rate is based on the weighted average of the interest rates on the loans being consolidated.

When Do I Begin Repayment?

Repayment of a Direct Consolidation Loan can begin 60 days after the loan is dispursed, or sooner. Student Debt Consolidation will notify you when your first payment is due. Depending upon the amount of your consolidation loan, your education loan debt, and repayment plan you could have a very flexible repayment term range.

Student Debt Consolidation Qualified Benefits

Student Loan Debt Amounts

Student Debt Graph

Frequently Asked Questions

What information do I need to enroll?
A Debt Management Plan (DMP) is a mutual agreement between you and a debt relief organization. You agree to repay your unsecured debts in full over time, without taking on any more debt. In return, Student Debt Consolidation will agree to significantly reduce your interest charges and stop late and over-the-limit fees.
How will a Debt Management Plan help me?
A Debt Management Plan (DMP) is a mutual agreement between you and a debt relief organization. You agree to repay your unsecured debts in full over time, without taking on any more debt. Then Student Debt Consolidation will agree to significantly reduce your interest charges.
Will a debt relief plan stop collection calls?
Collection calls usually stop after the third consecutive payment. If you continue to receive collection calls after your creditor has posted three consecutive payments, please contact us by e-mail with the name of the creditor and the last four digits of the account number to allow us an opportunity to investigate.
Can you help me with my budget?
Absolutely. Completing a budget can be a frustrating process. We will help you build a budget which will help you monitor your monthly expenses.
Do I continue paying creditors after enrollment?
If there's money leftover and you have credit card payments due before the plan gets underway, go ahead and pay the bills. If you're not able to pay the credit card payments due before the plan goes into effect, you may see late fees reflected on your next creditor statements. Late fees are typically eliminated after three consecutive payments on our program.
When is my payment due?
You should pick the payment date that works best for you. You may choose any day from the 1st to the 28th of every month. You must choose your first payment date to be made within 30 days of enrollment.