Lower Your Student Loan Payments

Consolidate into one, low repayment plan.

You can consolidate your Federal student loans and reduce your payments up to 51%. Better still, you can ensure your payments will never go up when you consolidate now and lock in a low fixed rate for the life of your loan.

Get your application in today!

And if you're a recent graduate, be sure to consolidate while in your grace period to take advantage of the 0.6% reduction¹. We'll hold your application and defer any payments until 6 months after you graduate.

Reduced Monthly Payments

Loan Amount	$25K	$40K	$60K
Est. Curr. Payment	$269	$430	$645
Est. New Payment³	$170	$243	$336
Extra Monthly Cash	$99	$187	$309

To develop a more detailed estimate, and view possible repayment options, open our payment calculator.

Call toll-free 1.800.295.6296 | Apply Online

Benefits of Consolidating

Reduce monthly payments by as much as 51%
Reduce the amount of interest paid on your loan through our Borrower Benefits Program
Current rates as low as 3.50%¹
In-grace interest rate reduction of 0.6%¹
No credit checks or co-signers required
No application fees or pre-payments penalties
Up to $2,500 in tax-deductible interest for many borrowers²