🎓 For Students & Graduates

Merge Student Loan Documents
Into One PDF — Privately

Combine loan applications, promissory notes, award letters, repayment plans, and forgiveness applications into one organized file. Your financial data never leaves your device.

🔒 No uploads — ever
⚡ Instant — no account needed
🆓 Always free
📱 Works offline
📂

Drop your student loan PDF files here

Works with award letters, promissory notes, repayment plans, PSLF forms, servicer correspondence, and any other loan PDF

↕ Drag to reorder — arrange chronologically or by loan type

🛡️  Your loan documents are processed entirely in your browser. SSNs, loan account numbers, and financial aid details are never sent to our servers.
How It Works

Your complete loan file
organized in three steps

Student loan paperwork spans years and multiple servicers. One organized PDF means you always know what you have — and can prove it.

01📁

Upload Your Documents

Select all your student loan PDFs — award letters, MPN, repayment plans, PSLF forms, servicer letters.

02↕️

Arrange in Order

Drag into chronological order or group by loan type — federal first, then private, then repayment docs.

03📤

Save Your Complete File

Download and store your complete loan package — for submissions, disputes, or your own records.

Use Cases

Every stage of the student
loan journey

From first application to final payment — organized loan documentation protects you at every step.

📝

Financial Aid Applications

Combine FAFSA confirmation, award letters, and enrollment verification into one financial aid package.

📋

Loan Entrance Counseling

Merge your MPN, entrance counseling certificate, and disclosure statements before disbursement.

💳

Repayment Planning

Combine all servicer statements, repayment plan documents, and payment history into one file.

🏛️

PSLF Applications

Organize employment certification forms, payment counts, and servicer correspondence for forgiveness.

🔄

Refinancing

Package all loan statements and payoff amounts for private refinancing applications.

📂

Personal Records

Keep a complete, organized record of all loan documents in case of servicer disputes or errors.

Document Guide

Key student loan documents
and when to merge them

Student loan paperwork is notoriously scattered across servicers and years. Here's what to keep and how to organize it.

#DocumentStage
1

FAFSA Confirmation / SAR

Student Aid Report confirming your FAFSA submission and Expected Family Contribution.

Application
2

Financial Aid Award Letter

Your school's official offer of grants, scholarships, work-study, and loans.

Application
3

Master Promissory Note (MPN)

The legal agreement you sign promising to repay your federal loans.

Pre-Disbursement
4

Entrance Counseling Certificate

Proof you completed required counseling before receiving federal loans.

Pre-Disbursement
5

Loan Disclosure Statements

Documents showing interest rates, fees, and repayment terms for each loan.

Disbursement
6

Servicer Assignment Notice

Letter notifying you which servicer is handling your loans.

Repayment
7

Repayment Plan Documents

IDR, IBR, PAYE, or SAVE plan application and confirmation.

Repayment
8

PSLF Employment Certification

Annual employment certification forms for Public Service Loan Forgiveness.

Forgiveness
9

Payment History Statements

Records of all payments made — critical for forgiveness applications.

Forgiveness
10

1098-E Tax Form

Annual student loan interest statement for tax deductions.

Tax
Why Privacy Matters Here

Student loan documents contain sensitive financial data

Social Security numbers. Bank account details. Income information. Employer details. Loan account numbers. Student loan documents are a goldmine for identity thieves — and uploading them to a cloud PDF tool means all of that sits on a third-party server.

RapidTools processes everything locally in your browser. We never receive your files — there's nothing to breach.

Files processed in your browser — never transmitted anywhere
Works 100% offline — no internet needed after page load
No account, no registration, no data retention
Read why in our PDF Privacy Guide →
Feature
RapidTools
Others
Files stay on device
No server uploads
Works offline
No account needed
Completely free
No file size limits
FAQ

Common questions about
student loan documents

Quick answers for students and graduates.

Keep all of the following: FAFSA confirmation, financial aid award letters, Master Promissory Notes, entrance counseling certificates, loan disclosure statements, servicer assignment notices, repayment plan documents, PSLF employment certification forms, all payment history statements, and your annual 1098-E tax forms. Servicer errors are common — having complete records protects you.
Yes. Merging your employment certification forms, payment count statements, and servicer correspondence into one organized PDF is highly recommended for PSLF applications. It creates a clear, complete record of your forgiveness progress and makes resubmission easier if forms are lost or disputed.
With RapidTools, yes — because your files never leave your browser. Social Security numbers, loan account numbers, and income details are processed entirely locally with no data sent to our servers. Cloud PDF tools upload your files to their servers — a significant risk for documents containing this level of financial information.
Yes. This tool works with documents from any lender — federal Direct Loans, Grad PLUS, Perkins, and private lenders like Sallie Mae, Earnest, SoFi, and College Ave. Any PDF document can be merged regardless of the source.
For refinancing applications, organize by loan: group all documents for each loan together (original disclosure, current balance statement, payoff quote), then arrange loans from largest to smallest balance. Include your most recent pay stubs and employment letter last.
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