• Start Your Student Loan Consolidation Application Now.
  • Your Information is Protected & Secured 

    I agree to let Golden Financial Services use this information to see if I qualify for a student loan repayment or debt consolidation plan. Golden Financial Services (GoldenFS.org) is a secured website -- secured by HTTPS -- or HyperText Transfer Protocol -- with Secure Sockets Layer, or SSL. HTTPS is a protocol to transfer encrypted data over the Web. When someone sends you financial information, social security numbers, or other sensitive data, HTTPS keeps that transmission secure.

  • Status of your student loan payments:*
  • Have you ever consolidated before?*
  • Is this the address listed on your most recent tax return?*
  • To continue past this point;

    You will NEED your Federal Student Aid (FSA-ID) Username & Password ***Make sure to double-check it's correct*** (Click image below -- to create your FSA-ID)
  • CREATE FSA-ID TO CONSOLIDATE FEDERAL STUDENT LOANS
  • Spouse's FSA-ID Username and Password (if not married and filing joint -- SKIP THIS STEP

    If you are married and plan to file a joint tax return for this next-year, your spouse will also need an FSA-ID. They will not be joined onto your loans in any way whatsoever, their FSA-ID is for the purpose of verifying income -- a requirement on the government website.
  • Back to YOUR personal details...

    YOU ARE ALMOST DONE!
  • Employment Information:

    (We will not contact your employer)
  •  -
  • Your Income Details

  • Do you have Taxable Income? If you don't have taxable income, just enter $0 for the next question.*
  • What is your filing status?*
  • Has your income gone down from what is illustrated on your last tax return? (HINT)--If your income has gone down, you would want to base your income on recent pay-stubs*
  • How will you verify your income? (The lower your income, the lower your new payment will be)*
  • Do you have a Public Service or Non Profit Job?*
  • References:

  • Supporting documents required: if you are basing your income on pay-stubs; email them to StudentLoanHelp@GoldenFS.org or fax to 619-773-0900

  • Declaration

    I certify that, to the best of my belief, the information I have provided is complete and true.

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  • Should be Empty: