If you have only federal student loans, refinancing is usually done through the Federal Direct Consolidation Loan Program offered by the government. (lendkey.com)
The Federal Consolidation Loan program does not require solid credit history, so it is an option to federal student loan borrowers who may be struggling already. (lendedu.com)
There are many types of unsecured debt consolidation loan programs available on the internet. (abcloanguide.com)