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Do you have at least $15,000 in student loan debt?
Yes

Federal Student Loan Consolidation

If you have federal student loans, you can apply for free federal student loan consolidation. Federal loan consolidation is a government-sponsored program, but the actual loan is still provided by private lenders. The interest rates of federal consolidation loans cannot exceed the maximum set by the federal government, but there is no minimum interest rate. Interest rates on federal consolidation loans will vary from lender to lender. The following loans qualify for our federal college student loan consolidation program:

• Subsidized and unsubsidized federal Stafford loans
• Federal direct loans
• PLUS loans and Grad PLUS loans
• Federal Perkins loans
• Supplemental Loans for Students (SLS)
• Federally Insured Student Loans (FISL)
• Health Professions Student Loans (HPSL)
• Health Education Assistance Loans (HEAL)

Private Student Loan Consolidation

Private student loan consolidation allows you to consolidate your private education loans. A private consolidation loan is much like any other private loan, as you will need to pass a credit check and pay some up-front fees and charges. If you do have the credit or the income required to qualify for our private college student loan consolidation program, you have the option of recruiting a co-signer. After you make a certain number of payments on time, you have the choice of releasing your co-signer from the agreement. Here are a few benefits of our private college student loan consolidation program:

• Competitive interest rates
• No prepayment penalties
• No collateral required
• One lower monthly payment
• Earn additional interest rate reductions with borrower benefit options
• Quick online application process

Still have questions? Get the answers you need about student loan consolidation on our FAQ page.