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Student Loan Consolidation: Consolidate Student Loans! Stafford, PLUS and Direct College Loans

Benefits of Federal Student Loan Consolidation:

Lower your monthly payment up to 60%!
Lock in today's low rates!
Make just one payment each month!
Consolidating student loans will improve your credit rating!
Applying online takes only two or three minutes and can save you hundreds of dollars a month!
Flexible repayment plans help meet your needs!
Consolidate any federal student or parent loans!
Lower your student loan interest rate as much as an additional 1.25%* with our borrower benefits.
No fees! No credit checks! No cosigners! No early repayment penalties! No employment check!

How much can you save each month?

If you consolidate student loans right now, you could save hundreds of dollars a month. Here's a quick chart showing how much you could save on your monthly payments if you had Stafford Loans of varying dollar amounts:

Loan Amount	You currently pay:	After consolidation you'd pay:	You save each month:	And save each year:
$10,000.00	$104.61	$77.78	$26.82	$321.86
$15,000.00	$156.91	$116.67	$40.23	$482.80
$20,000.00	$209.21	$129.24	$79.97	$959.59
$25,000.00	$261.51	$161.56	$99.96	$1,199.49
$40,000.00	$418.42	$228.05	$190.37	$2,284.49
$50,000.00	$523.03	$285.06	$237.97	$2,855.61
$75,000.00	$784.54	$391.24	$393.30	$4,719.64
$100,000.00	$1,046.05	$521.65	$524.40	$6,292.86
$150,000.00	$1,569.08	$782.47	$786.61	$9,439.28

Savings shown are based on the current Stafford Loan interest rate of 4.7%; borrowers in grace periods, with loans other than Stafford Loans (such as PLUS or Perkins loans), or with Stafford Loans older than July 1, 1998 will have different interest rates. Discounts of 1.25% to lower interest rates are NOT included.

Student Loan Consolidation is a practical repayment management option to bundle all of the federal student loans you received to finance your college education into one. When your new loan is issued, the lender (us) pays off the outstanding balances of the loans you consolidated. In essence, you refinance your college education debt. We specialize in helping you Consolidate Federal Direct Loans! Loan consolidation isn't just for students, either. Parents can consolidate PLUS loans to save just as much money each month as their kids.

Refinancing can significantly reduce your monthly payment burden by stretching your repayment period from the standard 10 years to up to 30 years, depending on how much you owe. Request a free loan consolidation information packet now and you can lock in a low fixed interest rate!