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I wish I'd known years ago what I know now.  Ever since I've joined your program that's what I keep thinking.  For so many years I thought I'd never get out from under my credit cards.  Luckily, my daughter told me about your program and what it had done for her, so I decided to try it for myself.  I am so glad I did.  I love watching m balances go down every month and knowing that soon I'll be debt free for the first time in years.

Thank you

L Kip.

Over 1 trillion borrowers have outstanding student loan debt.  Our qualified Personal Financial Counselors will provide a free analysis of your student loans and determine what programs are available.  Genesis will also assist with preparation and submission of your documents.  


Why Consolidate Student Loans?

Remember, federal student loans are real loans, just like car loans or mortgages.  You must repay a student loan even if your financial circumstances become difficult.  Your student loans cannot be canceled because you didn't get the education (unless you couldn't complete your education because your school closed), or discharged via bankruptcy.

What types of loans can be consolidated?

Direct Subsidized Loans,Direct Unsubsidized loans, Subsidized Federal Stafford Loans, Unsubsidized Federal Stafford loans, Direct PLUS loans, PLUS loans from the Federal Family Education loan program (FEEL), Supplemental Loans for students, Federal Perkins loans, Federal Nursing Loans, Health Education Assistance Loans. ​Private Education loans are not eligible for consolidation.

How do I benefit?

One Lender and One Monthly Payment 

Borrowers have only one lender, the U.S, Department of Education, for all loans included in their consolidation.

Flexible Repayment Options

Borrowers can choose from multiple repayment plans with various term selections to repay their consolidation loans including and Income Contingent Repayment and Income Based Repayment Plan.  

No Minimum or Maximum Loan Amounts or Fees

There is no minimum amount required to qualify for a direct consolidation loan


Varied Deferment Options

Borrowers may qualify for renewed deferment benefits. A consolidation loan may renew deferment options. 

Reduced Monthly Payments

A consolidation loan may ease the strain on a borrower's budget by lowering the borrower's overall monthly payment.

Retention of Subsidy Benefits

There are two possible portions to a consolidation loan: Subsidized and Unsubsidized.  Borrowers retain their subsidy benefits on loans that are  consolidated into the subsidized portion of a consolidation loan.