Determine the type of consolidation you wish to apply for -- private or federal. Federal consolidation is typically a better choice for those who don't have good credit or a cosigner, while private consolidation may be a better choice for people with good credit and/or a cosigner. Private loan may offer an interest rate that is higher or lower than the current federal rates, so you must compare private loan consolidation rates with federal rates before you choose one over the other.
Visit studentloanconsolidator.com and click on either "Federal Loan Consolidation" or "Private Loan Consolidation" depending upon what type of consolidation loan you want.
Click on the link that says "Apply Now for Private Student Loan Consolidation" or "Apply Now for Federal Student Loan Consolidation".
Follow the on-screen prompts, and fill out your personal information. This website will let you know whether you are eligible to consolidate your Perkins Loan.