Consolidating your student loans

Student loan consolidation is a way to bundle your student loans into one new consolidation loan.

Managing your loans

Private student loan consolidation

Thank you for your interest in Sallie Mae, the nation's leading provider of saving- and paying-for-college programs. We have temporarily suspended offering our private consolidation loan program. No new private consolidation loan requests will be processed at this time.

Federal student loan consolidation

Sallie Mae's Federal Consolidation Loan service is not available at this time.

Severe legislative cuts made by Congress made federal loan consolidation uneconomical. This, combined with the credit market deterioration, has caused us to suspend participation in the federal consolidation loan program.

If you are seeking to reduce the monthly payment on your Sallie Mae education loans, please call us to explore other options, such as our extended or graduated repayment plans. These options can provide significant monthly payment relief and often at a lower cost than federal consolidation. The toll-free number is (866) 457-6918.

Benefits of working with Sallie Mae

Sallie Mae offers flexible repayment plans. Call us. We can help you find the option that best fits your needs at (866) 457-6918.


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Financial difficulties?

Because there are serious consequences for falling behind on your payments, contact your loan servicer immediately. They can help you develop a plan to bring your loan current again.


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