Lower your monthly payments
Consolidate & Save UP to 53%!

It is possible for you to consolidate any number of your existing Federal Student and Parent Plus loans, fixing a much lower interest rate for the life of the loan.

The Federal Consolidation Program includes FFELP and William D. Ford Direct Loans for the Student Stafford, Parent Plus and Perkins Loans.

The new interest rate on federal student and parent loans is the lowest in the history of the program. Additional borrower incentives can reduce your rate by 1.25%.

You qualify for consolidation if at the time of the application:

• You are in your loan grace period or have entered repayment
• You have eligible Federal Student loan debt of at least $7,500
• Some Private loans may also qualify - call for details.

No fees or credit checks are required for federal loan consolidation.