Student Loan Consolidation

School Loan Consolidation is a practical repayment tool that refinances your school loans into one loan, significantly reducing your monthly payment. Take a look at how much you can save each month with our student loan consolidation calculator.

Federal Loan Consolidation






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Consolidating your federal student loans can reduce your monthly payment. You can esign your application online and be finished in minutes.

Private Loan Consolidation






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Some private student loan program offers interest rate reductions for on-time and automatic payments and there are no pre-payment penalties.

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:




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Calculate Your Savings!

Savings shown are based on the current Stafford Loan interest rate of 6.8%; borrowers in grace periods, with student loans other than Stafford (i.e. PLUS or Perkins loans), or with Stafford Loans older than July 1, 1998, will have different interest rates.

Student Loan Consolidation Blog
How much can you REALLY save by consolidating?
- How does an extra $1,100 per year sound? It can happen with consolidation. Here's how.

Consolidate or Separate? That is the question.
- Shakespeare aside, figuring out if student loan consolidation is right for you can be a tricky question. It largely depends on your income and loan interest rates, and isn’t always...