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Most of the current deferment and forbearance provisions of Direct student loans are retained after being consolidated.Specific deferment options include: Repayment terms range from 10 to 30 years, depending on the amount being refinanced.To learn more about our cosigner release benefit eligibility or if the borrower is interested in applying for a cosigner release, please contact our office at .Loan forgiveness is available in the event of the death or total and permanent disability of the student who borrowed an underlying loan that has been consolidated.

The borrower and the cosigner share responsibility for ensuring that the loan is repaid.When you access your account and perform transactions on the Discover site we use 128-bit-Secure Sockets Layer (SSL) encryption technology-the most widely used method of securing internet transactions available today.When you consolidate multiple student loans or refinance a single student loan, you may receive a lower monthly payment with a reduced interest rate or an extended repayment term.Information about federal loan consolidation may be found at log in using your FSA ID, and click on the Repayment & Consolidation tab. APPLY ONLINE at log in using your FSA ID, and click on the Repayment & Consolidation tab. You may call your loan servicer to request a paper application.

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