Combine your existing student loans into 1 new loan - online.

Example: If your loans total $50,000, go from $584 a month before to $276
after-a monthly savings of $308 a month to you.

  • Fill out the entire form below for fastest service
  • You may be able to defer payments for 1 to 3 years
POLL: Should Student Loan Debt Be Waived By The Government? (scroll to bottom to vote and see results)

Why now?

Student loans are just about the lower interest loans you will ever have so it makes sense to have the lowest fixed rate and payment for the remaining loan term.  Using this online form, you can accomplish with convenience,
service and savings.

Here are some other benefits you'll see when you fill out the form above.

  • Lower Monthly Payments up to 53%
  • Secure a fixed interest rate as low as 6.625%
  • Defer payments up to 3 years
  • Cut your interest rate another .6% by consolidating during your grace period*
  • Make only one monthly payment.
  • Flexible repayment plans
  • Pay no penalty for early repayment
  • No credit check, no co-signers needed and no fees

Can you start now?

You can do this anytime after you finish school or once your loans go into a grace or repayment period. Use the application above to enter your loan information and quickly access your new consolidation interest rate and repayment plan options. If you like what you see, you can e-sign your application. It's that easy.

* Grace discount applies to loans taken out prior to July 1, 2006.

Student Loan Consolidation Really Helps!

Consolidating your student loans may be a desperate, last-minute move. But in reality, student loan consolidation may be the best idea for those who opted to pay for college in smaller payments. After all, it’s supposed to be easier.

But when the time comes that you graduate and have to pay beginning 6 months after, where will you run to when you can’t pay your loans off just yet? Unexpected expenses may occur, or maybe you’re still unemployed. For whatever reason, that’s when student loan consolidation becomes your best solution.

Student loan consolidation basically merges all your existing student loans into one loan. Thus, it would be easier to pay since you have only one loan with one interest rate to think about, rather than multiple ones. It also allows you to “stretch” your debt, to be able to reduce the monthly payments to a reasonable amount that you can pay off easier.

A student loan consolidation can also extend your paying time to as much as twice or even thrice more than you’re normally allowed. For instance, if you have 10 years to repay your multiple loans with varying interest rates, student loan consolidation turns it into 20 years with one constant interest rate. Also, the total amount you pay monthly becomes evidently lower than when all your non-consolidated loan payments monthly are combined.

So what other reasons are there for someone to consider student loan consolidation? Imagine all the time, effort, and money you’ll save. Apart from that, student loan consolidation can be more convenient for people who have just graduated and are considering applying for a mortgage on a house.

If you’re a fresh graduate with financial difficulties, or even someone who has been paying off their student loans for the longest time, then student loan consolidation may just be the solution you’re looking for.

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Should Student Loan Debt Be Waived By The Government?
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