The purpose for consolidating your federal student loans should be to provide immediate payment relief.  Federal Student Loan Consolidation was enacted by Congress to provide this relief and should be used for this purpose only.

Don't be confused, payment relief is not debt relief.  The only thing student loan consolidation does is reduce your payment.  This is mainly accomplished by extending the payment period, meaning you will pay less each month because you are going to pay for a longer period of time.  Doing this may add more to your total debt because you will accrue more debt due to the fact that interest is charged during the period you extend.  So while your immediate payment and monthly obligation each month is reduced, you should try to make a larger student loan payment when you are financially able to do so.  This you can cut your term or payment period.  Student consolidation is a short-term solution to a financial situation.  You can ask us to review your situation and see if student loan consolidation makes sense for you, without obligation or concern of being sold anything.