Borrowers with multiple loan types, servicers, Parent PLUS history, or forgiveness-related consolidation questions.
What is included?
- Current-loan and consolidation-history review
- Purpose and timing discussion
- Potential benefit and tradeoff checklist
- Written next steps within the purchased scope
What are the important limitations?
- Consolidation is not automatically beneficial.
- FedRepay does not submit or sign the federal application for the borrower.
Free official alternative
Federal applications, StudentAid.gov tools, and federal loan-servicer assistance remain available free of charge. Paid FedRepay guidance is optional.
What happens next?
Verify the current federal rules and preserve a dated record before changing the loan structure.