Why Consolidate

Consolidation can combine qualifying existing student loans or simply “refinance” one student loan.

You do not need to be employed and there is no credit check to qualify!

One Lender and One Monthly Payment: With only one lender and one monthly bill, it is easier than ever for you to manage your debt.

Reduced Monthly Payments: A consolidation loan may ease the strain on your budget by lowering your overall monthly payment. The minimum monthly payment on a consolidation loan will likely be lower than the combined monthly payments on existing loans. Interest rates are lower than ever so consolidating even just one student loan may lower your monthly payment. Consolidation loans also offer various flexible payment plans to fit your budget.

Varied Deferment Options: Consolidation Loans offer several deferment options: In-school deferment, economic hardship, unemployment, ect. Even if you have exhausted the deferment options on your current loans, consolidation could renew those deferment options.

Improve your credit rating
Remove your loan(s) from collections & default status
Stop wage garnishment , Federal & state tax offsets
Reinstate your title IV loan lending eligibility
Stop collection calls
One monthly payment
Lower interest rate

Questions? Call us !! 1-800-915-2440