Lock in the Lowest Fixed Interest Rates in History and reduce monthly payments up to 50% Apply Online

As of July 1st 2003, the lowest FIXED interest rates in history are expected to go into effect. These rates range from 2.875% to 4.25% depending on when your variable rate student or parent loans were disbursed. You may be able to consolidate your student or parent loans even if your loans were made, or serviced by other lenders. This includes Direct loans made to you by the U.S. Department of Education through your school. More....

Advantages of Consolidation

  • Lower monthly payments up to 50% or more
  • Historically lowest fixed interest rate that will never increase
  • No fees or charges to consolidate
  • Fixed rate from approximately 2.875 to 4.25% for the life of the loan (if you have not previously consolidated any of your loans)
  • No credit check or income verification
  • No debt to income ratio requirement
  • No prepayment penalty
  • Choice of payments: level or graduated
  • Repayment terms up to 30 years
  • Deferments in case of financial hardship or unemployment
  • Forbearance privileges available
  • One convenient monthly payment
  • Increase home mortgage, car, etc. borrowing power by reducing debt to income ratio
  • Online Consolidation Calculator
  • A single company will service the loan for the life of the loan
  • Online and toll-free telephone application request
  • Online completion of application
  • Personal assistance with a simple application