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If you’re now an attending (or soon will be) you can start at the bottom left, with residency graduation.
You typically need a credit score at least in the mid-600s to qualify, and rates range from around 2% to more than 9%.
If you choose an income-driven plan, you’ll be asked to provide income information on the application by granting access to your IRS tax information.
You can opt out, but you’ll have to submit a copy of your most recent federal tax return directly to your loan servicer after you finish the consolidation application.
If you have problems with or questions about any part of the application, you can call Federal Student Aid’s Loan Consolidation Information Call Center at 1-800-557-7392.
There are major benefits and drawbacks of federal consolidation; it’s important to understand both because consolidation can’t be undone.To find the best plan for you, check out Federal Student Aid’s repayment estimators before you begin the consolidation application.