Gather all student loan details
Check whether your loans are federal, private, or both
Compare consolidation and refinancing options
Review interest rates, fees, and repayment terms
Confirm eligibility requirements
Choose the lender or federal consolidation program
Submit the application with required documents
Select the repayment term and monthly payment
Review the new loan terms carefully
Sign the agreement
Continue making payments on existing loans until the consolidation is complete
Set up autopay if available
Monitor your new loan account after consolidation