ok but If my federal student loan is delinquent, what should I do?
You should consult the Student Loan Debt Collection Assistant, which was developed by the US Department of Education in collaboration with the Office of Consumer Financial Protection. The tool provides information on how to access the full range of special payment options available to you.
ok I understand and can I simplify the refund with the consolidation?
Yes You may want to combine your multiple federal student loans into a single direct consolidation loan to simplify repayment. There may be trade-offs, so understand the advantages and potential disadvantages of consolidation before submitting the application