Consolidating your


There are numerous problems that can ariseā€“for example, if one of the divorced ex-spouses wants to apply for IBR.

The Department says that borrowers with joint consolidation loans may repay under the IBR/PAYE plan as long as both spouses qualify with partial financial hardships.

Both spouses are jointly liable for the loan and both must request IBR.

Problems often arise if the ex-spouses are no longer in contact.

You can consolidate all, just some, or even just one of your student loans.