When you’ve graduated from college, you have certain responsibilities—like the obligation to repay your student loans. Student loan consolidation is a practical repayment tool that bundles all your federal student loans into one loan, significantly reducing your monthly payment.

What you may not know is that you also have certain rights when it comes to student loans. Right now you can lower your monthly payments as much as 60% and put that extra cash in your pocket with the Federal Student Loan Consolidation program.

The Federal Loan Consolidation Program makes student loan repayment more manageable by allowing you to bundle your existing variable-rate federal loans into a single, fixed-rate loan-at unprecedented rates as low as 4.5%. It costs nothing to consolidate, and Debt Quote Advisor  makes it easy with a fast, online application.

To help you save even more, we offer a competitive borrower benefits program to reduce your interest rate over time. Our private student loan consolidation program offers interest rate reductions for on-time and automatic payments and there are no pre-payment penalties. Our counselors can answer your questions and help you through the loan consolidation process.

Our benefits:

• Lock in rates as low as 5%
• All federal loans bundled into one easy-to-manage loan
• No fees, charges or prepayment penalties
• Simple online application

By combining all of your student loans into one consolidated loan, you can lengthen your repayment term from the standard 10 years to up to 30 years, depending on the amount of your education debts. With a lower monthly payment, you'll have more money available to meet other living expenses, including car payments, housing expenses, and career-related necessities. 
By consolidating multiple student loans into one lower monthly payment, you gain the freedom to better manage your monthly budget, and invest more of your earnings for the future.