There are two types of student loan consolidation: federal and private.
Private consolidation is often referred to as refinancing.
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Additionally, you’ll get a new loan term ranging from 10 to 30 years.
Your repayment term will generally start within 60 days of when your consolidation loan is first disbursed and will be based on your total federal student loan balance, among other factors; click on the link below for more details.
If your loans are already with one of those servicers, you can stay or choose a new one.
On the standard repayment plan for direct consolidation loans, you’ll make equal monthly payments for 10 to 30 years, depending on your total federal student loan balance.
You have to complete the application in a single session, so do your research before you start.