It might be good for to you consider a different repayment plan such as an income-driven repayment plan. These plans base your monthly student loan payments on your income and family size. In some cases, your payment could be as low as $0 per month.
Who should I contact if I have a question about withholding money from your tax refund or other federal payments?
For this, is better you get in contact with your loan holder, which is prepared to help you.
May I know if its possible for me to apply for this new loan consolidation even if I only had one loan?