Student Loan Consolidation
Consolidate Federal And Private Student Loans TOGETHER
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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.
