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okay so if you have multiple federal student loans and you want to have just one payment a month instead of paying different service providers you can consolidate it using the consolidation tool on studentaid.gov so this is free it doesnt cost you any money its not a private lender this is through the federal government go to studentaid.gov and when you get there you scroll down to repayment and then you actually click on complete consolidation loan application and promissory notes and itll take you to log into your student loan accounts and you actually can apply for the consolidation and then theyll get back to you usually its pretty quick when you consolidate your loans and theyll give you an idea of what your new monthly payment can be so thats easy peasy you can get it done only have one monthly payment for your student loans