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National Student Loans is a private company, and is not affiliated with the department of education or any academic or governmental entity. You can apply for loan consolidation without fee through the department of education(DOE). National Student Loans assist in preparing and processing the application for student loan consolidation and repayment programs offered by the DOE. National Student Loans is not a loan servicer, and does not provide debt relief services, including renegotiating, settling, or in an way altering the terms of a payment or debt.