Got Student Loan Debt?

How It Works

Learn more about the Got Student Loan Debt? program here. We’ll explain what it is, who qualifies, and how it works.

About Got Student Loan Debt?

Got Student Loan Debt? is a student loan consolidation program. Got Student Loan Debt? works by taking out a new loan, usually with a lower interest rate, to pay off your existing student loans. In doing so, you can reduce your monthly payments, lower your interest rates, and/or extend your repayment period. Got Student Loan Debt? offers two consolidation services, one for federal loan holders and one for private loan holders. Both programs work by bundling your many student loans into one, easy monthly payment. That way, instead of making dozens of payments to many creditors each month, you make one payment to one creditor. Check out our services page for more information.

Qualifying for Got Student Loan Debt?

Qualifying for Got Student Loan Debt? is easy. You will just need to meet the following basic requirements:

  • You are no longer enrolled in school more than half time
  • Your loans are in a grace or repayment period
  • You have never previously consolidated your loans
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The Got Student Loan Debt? Process

The Got Student Loan Debt? process involves the following steps:

  1. Fill out the free, online application. You can apply for a consolidation loan entirely online with Got Student Loan Debt?. Our application is very brief and does not require you to know the details of your loan portfolio.
  2. We will contact you within 15 minutes. If you apply during the hours of 8 AM-10 PM EST, a Got Student Loan Debt? representative will contact you within 15 minutes of receiving your application. The representative will verify your information and complete the process.
  3. We pay off your student loans. As soon as we have the details of your student loan portfolio, we will send checks to your lenders to pay off your existing student loans.
  4. You make one monthly payment to Got Student Loan Debt?. After your loans are consolidated, you will then make one, easy payment to Got Student Loan Debt? each month. We can even arrange to have the payment automatically deducted from your checking or savings account to save you the hassle.
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Do you have at least $15,000 in student loan debt?
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