Consolidate Your Federal Loans


Consolidate Your Federal Loans 

Please be aware that due to current conditions in the student loan market in particular and in the financial sector in general, is not currently able to accept any new PLUS, Grad PLUS, Stafford, or Federal Consolidation Loan applications. However, you may be able to apply for these federal student loans from one of our trusted partners. Click here for more information.

Consolidate your student loans, and you could cut your student loan payments in half.

Attention, federal student loan borrowers! Right now, can help you substantially lower your monthly student loan payments and put loads of extra cash in your pocket with the Federal Student Loan Consolidation Program.

  • Lock in low monthly payments with a fixed interest rate
  • Bundle all your federal student loans into one easy-to-manage loan with one monthly payment
  • No application fees, origination fees or prepayment penalties
  • Easy, online application with Electronic Signature

Do the math.

Federal student loan rates are low right now, but consolidating your student loans with could help you lower your student loan payments even more.

And when you consolidate your student loans, you could get more time—up to 20 more years—to repay.

How much can you save? Use our consolidation loan calculator to find out.

No-hassle application.

Anyone with an eligible federal student loan or federal parent loan can consolidate with the Federal Consolidation Program. There are no credit checks, you don’t need a co-signer, and you don't need to know the details of your current student loan portfolio. Just complete the simple four-step online application with Electronic Signature, and you could be on your way to lower payments each month.

Find out more about your student loan consolidation options, or just start a student loan consolidation application to find out how much you can save!

Federal Student Loan Holders

Whether you have one or multiple federal education loans, with the Federal Consolidation Loan program, you could significantly lower your monthly payments and get up to 30 years to repay your parent or student loans.

All Student Loan Borrowers

If you’ve already consolidated your federal student loans but still have private student loans you want to consolidate, you’re in luck. With the new Private Consolidation Loan, you can consolidate all your eligible private student loans at record-low rates that could save you money.

How much can student loan consolidation help you? Use our consolidation loan calculators to find out.

Looking for debt consolidation?

Debt settlement offers a no-loan alternative to debt consolidation programs. If you’re struggling to meet monthly payments on your credit card debt or on other debts besides your student loans, a debt settlement program could offer you the debt relief you’re looking for.

A debt settlement program can give you affordable monthly program payments and could help you settle your credit cards, medical bills, and other eligible debts within 12 to 36 months for up to 50 percent less than what you owe.*

Settle all your eligible unsecured debts:

  • Credit cards
  • Department store cards
  • Medical bills
  • Collections and repossessions

(Please note that student loans and student consolidation loans aren’t eligible for debt settlement.)

* Debt settlement services offered through Think Debt Relief, a division of National Debt Relief LLC. Actual results will vary based on individual situations and creditors. Success in the Think Debt Relief debt settlement program is highly dependent on your ability to save a specified amount consistently each month. Settlement negotiations are provided by a partner of Think Debt Relief and not by agents of Think Debt Relief. Settlement percentages and timelines are based on results achieved by this partner and may not include customers who fail to complete the debt settlement program or be typical in all situations. Settlement percentages may be based on debt amount at the time of settlement rather than at the time of enrollment in the program. The Think Debt Relief debt settlement program doesn’t assume or pay your debts, repair your credit score, or provide tax, legal, or credit repair advice. Enrollment in the Think Debt Relief debt settlement program doesn’t guarantee that your creditors will agree to any offers to settle your debt obligations for less than the amount owed. Think Debt Relief debt settlement services aren’t available in all states. Please make sure you review and understand all program materials before you enroll.

Find the Money: The Real Story on How Aid Packages Are Calculated

Articles

You've worked up a list of colleges that look promising, from academics to size to location to vibes. Logically, the next step would be to use price to help narrow the field-but how? Going by the figures for total costs shown in catalogs and on Web sites-last year they averaged $24,946 for private colleges and $11,338 for public...

Myths and Realities About Paying for College

Articles

Myth: College tuition costs more than $20,000 a year. Reality : Of the 3,600 colleges and universities in America, 81 charged $20,000 or more for tuition and fees in 1997-98. When on-campus room and board charges are added, about 300 institutions cost $20,000 or more before student aid is deducted....

Guide to Deferment and Forbearance

Articles

Sometimes life can put a dent in your budget, making it harder to pay your everyday living expenses and monthly bills. When faced with the loss of a job, going back to school or sudden unexpected expenses like medical bills or car-repair costs, even the most responsible borrowers can find themselves struggling to make their student loan payments....

Financial Aid: A Key Part of College

Articles

Paying for college is an issue for every family. Many do not have the resources to pay the costs of a college education without unreasonable sacrifices. They must look for student financial aid to provide access and choice to college. With a basic knowledge about how the system works, financial obstacles should never prohibit you from fulfilling...

Now's the Time to Start Working on College Aid

Articles

Happy New Year. If you've got a kid who's a senior in high school and planning to start college this fall, you'd better get busy. OK, go ahead and finish your coffee first. But right after that -- or at least as soon as possible within the next few weeks -- it's time to apply for financial aid....