<p>If you want to get aid in January, you will either need to repay the loan in full or consolidate (if that is even an option). If you do a repayment plan, you have to have a certain number of consecutive, on time payments before you will be allowed to get federal aid again (I think it’s five, but I can’t remember for sure). Call your servicer Monday. All of your loans, if they are Stafford, will be with the same servicer even if they are through different lenders. You can find your servicer at <a href=“http://www.nslds.ed.gov%5B/url%5D”>www.nslds.ed.gov</a>.</p>