Repayment and Loan Consolidation

Federal Student Loan Repayment

To navigate the student loan repayment process with confidence: make payments, change repayment plans, explore options, and get help, learn about federal student loan repayment based on where you are in the process.  Please visit

Federal Perkins Loan Repayment

If you currently have a Perkins Loan and would like to find out about the exact payment amount, you can find it out online at the website for the CofC Perkins Loan Servicer-ECSI. Any questions regarding your Federal Perkins Loan should be directed to Treasurer's Office.

Consolidation Loans

If you have multiple student loans you may be able to combine them into one loan with a fixed interest rate based on the average of the interest rates on the loans being consolidated. Learn more about loan consolidation.

A Direct Consolidation Loan allows you to consolidate multiple federal education loans into one loan at no cost to you.

Through your completion of the free Federal Direct Consolidation Loan Application and Promissory Note, you will confirm the loans that you want to consolidate and agree to repay the new Direct Consolidation Loan.

Once the consolidation is complete, you will have a single monthly payment on the new Direct Consolidation Loan instead of multiple monthly payments on the loans you consolidated.