How do I apply for the college student loan consolidation program?

You can apply for our college student loan consolidation program for free by clicking "apply now" on this site. This will then take you to a short online application. We will ask you for some basic information and will contact you within 15 minutes of receiving your application if you apply during regular business hours. Our application is no-obligation and free of charge.

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What is student loan consolidation?

When you sign up for our college student loan consolidation program, you take out a new loan to pay off your existing student loans. The consolidation loan then allows you to make just one payment to one creditor each month. Almost always, consolidation loans have interest rates and monthly payments that are substantially lower than your existing student loans.

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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

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Federal Student Loan Consolidation

f 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)

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Consolidation Step-by-Step

Taking advantage of our college student loan consolidation program is as easy as following these simple steps:

1. Fill out our brief online application. You can fill out a free online application for our college student loan consolidation program on our site. We will only ask for basic contact information, so you do not need to know the details of your student loan portfolio.
2. We will contact you to complete the process. After we receive your information, one of our college student loan consolidation program representatives will contact you within 15 minutes, if you applied between 8 AM-10 PM EST. The representative will verify your information, answer any questions you may have, and explain the next step.
3. We handle the details of your consolidation. We will find the details of your student loans in order to pay them off with your consolidation loan. You will electronically sign the application to consolidate.
4. Your loans are consolidated. Once your loans are consolidated, you begin making monthly payments to your college student loan consolidation program lender.

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