Student Loan Servicing Center works with our clients to complete and submit documentation the Department of Education to help consolidate Federal Student Loans. Our certified Financial Counselors will review your student loans to determine which loans are applicable to be consolidated based on the Department of Education's guidelines. Once the documentation is sent to the Department of Education for final approval, they will approve the consolidation and will send a new promissory note outlining the terms of the Consolidation. Once that is received, the consolidation is complete and you will begin making monthly payments at the lower amount. It's that easy!