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Can I Consolidate My Federal and Navient Student Loans?

Written by Steve Rhode


Dear Steve,

I have two student loans one is from salliemae/navient and the other is a federal loan.

Is it possible to consolidate both loans?



Dear Frank,

If the Sallie Mae – Navient loan was a private student loan then your only option would be to go for a private student loan consolidation and incorporate the federal loan. That would not be a smart thing to do since it would eliminate the benefits available under flexible federal student loan repayment options.

If the Sallie Mae loan is a federal student loan then you would most likely be able to do a Direct Loan federal consolidation of both loans. See The Ultimate Guide to Dealing With Student Loans You Can’t Afford for more information about how to lower that consolidated loan payment based on your income.


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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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