Disclaimer: SLDR is a private organization, not a government entity and is not affiliated to the government. SLDR offers Document Preparation and Tracking service. Our free counseling session is intended to help student loan borrowers identify which Federal programs they are eligible for, our service does not constitute any legal or financial advice. The services offered by SLDR are limited to preparation, evaluation and tracking of Federal Student Loan Consolidation Application. Student loan borrowers may choose to file their own application and are not required to use a third party service such as SLDR. SLDR does not facilitate the negotiation of a debt, the settlement of a debt or the altering of a debt; neither does SLDR pay your student loans for you or on your behalf. *Individual results may vary and are solely based on the federal consolidation program you opt for. *Each of the DOE’s forgiveness programs has specific conditions and requirements that must be satisfied, and many borrowers will not qualify under any of these programs. **Lowering your monthly payment may require you to pay more interest over a longer period.