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    Consolidating loans with department of education

    Maximum Loan Length: 10-30 years Frequency of Payments: Varies Prepayment penalties: None Fees: None You apply for a Direct Consolidation Loan through Student

    Once you sign in to Student using your personal identifiers and Federal Student Aid PIN, you will be able to electronically complete the Federal Direct Consolidation Loan Application and Promissory Note.

    Discover Card is serious about safeguarding your personal information online.

    When you access your account and perform transactions on the Discover site we use 128-bit-Secure Sockets Layer (SSL) encryption technology-the most widely used method of securing internet transactions available today.

    Even if you have only one defaulted student loan, you may obtain a Direct Consolidation Loan to resolve the default.

    The loan is generally provided at a cost, referred to as interest on the debt, which provides an incentive for the lender to engage in the loan.

    In a legal loan, each of these obligations and restrictions is enforced by contract, which can also place the borrower under additional restrictions known as loan covenants.

    Consolidating allows you to merge multiple eligible loans into a single loan.

    Before you consolidate, consider the following pros and cons: Note: Just remember, you must continue making payments after submitting your application until you receive notice from your servicer that underlying loans have been paid off.

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