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How can College Debt Resolutions help? What is Direct Consolidation? Allow you to combine all of your loans into a single loan under one loan servicer. Direct Consolidation combines all of your eligible federal student loan balances into a Direct Consolidation Loan which gains you access to many federal loan resolution programs. Depending on certain criteria, students may qualify to lower their monthly loan payments and/or have some or all of their federal student loan balances forgiven. Less than $20,000.

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