When you "consolidate" your federal student loans, you combine them into one loan
and then make one monthly payment to one loan servicer.
If you decide you would like to consolidate your loans, you would need to apply for
loan consolidation and choose a repayment plan that will best work for you. For more
information about loan consolidation, visit the U.S. Department of Education’s Federal Student Aid website and select "Loan Consolidation" under the heading "How to Repay Your Loans".