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Student loan fixer is a private company, and is not affiliated with the department of education or any academic or government Entity. You can can apply for loan consolidation without a fee through the Department of Education (DOE). Student Loan Fixer assists in preparing and processing the application. We offer gratification guarantee, which is subject to the information you provide to us. In the event Student loan fixer processes the application and your consolidation is denied by the Department of Education. We cannot, however, guarantee a reduction in payments, as it is at the discretion of the Department of Education.