Student Loan Consolidation

Consolidate Federal And Private Student Loans TOGETHER

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Clients Who Refinance Save $24,046 on Average!

Variable Rate

The lowest starting interest rate- which can result in a lower total cost in the long run.

A variable rate can go up or down as the market changes, so your monthly payments may vary.

  • Rates from 2.81-6.74% APR
  • 5, 7, 10, 15 or 20 years
  • $5,000 minimum loan balance
  • No origination fees
  • No pre-payment penalties

Fixed Rate

A low interest rate that’s locked in for the life of your loan – so your monthly payments never change.

A fixed rate may result in a higher total cost, but you’ll rely on predictable monthly payments.

  • Rates from 3.35-7.12% APR
  • 5, 7, 10, 15 or 20 years
  • $5,000 minimum loan balance
  • No origination fees
  • No pre-payment penalties

Hybrid Rate

Rates are fixed for 5 years and then become variable for 5 years.

A hybrid rate may balance the tradeoffs by minimizing your interest rate, monthly payment, and total interest.

  • Rates from 3.77-6.22% APR
  • 10 years
  • $5,000 minimum loan balance
  • No origination fees
  • No pre-payment penalties

The actual interest rate you will receive is based upon your credit score, savings, income, degree type, and/or presence of a co-signer. To increase your chances of getting approved and receiving the lowest interest rate, we recommend applying with a co-signer.

**We try our hardest to keep interest rates, terms, and conditions listed here up to date. Please check with individual lenders for the most accurate refinancing information.