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Alternatively, there are six other repayment plans to choose from, including four income-driven plans.

If you have problems with or questions about any part of the application, you can call Federal Student Aid’s Loan Consolidation Information Call Center at 1-800-557-7392.

You can opt out, but you’ll have to submit a copy of your most recent federal tax return directly to your loan servicer after you finish the consolidation application.

The remainder of the application involves filling in basic personal information and providing names of two references who have known you for at least three years.

Federal loan servicers are private companies that manage federal loans for the Department of Education.

You can choose one of four servicers for your new direct consolidation loan: Fed Loan Servicing, Great Lakes Educational Loan Services Inc., Navient and Nelnet.