Loan consolidation allows students to combine all of their existing federal student loans into one with a weighted average fixed interest rate. Normally consolidation isn't something that students are concerned about until graduation, as students who are currently enrolled are not generally eligible for consolidation. Our office provides annual loan consolidation updates and focuses on this topic during the Exit Counseling session you'll attend before leaving the Law Center.

Student loan consolidation was introduced by the United States Government to ease the burden of paying back student loans. The program is easy and does not require a credit check. Before accepting any student loan you should make sure you are familiar with all of the terms of the loan. Remember that you could be paying for this student loan for many years, so it is important to make an informed decision.

Consolidation gives you the opportunity to reduce the amount of your monthly payments on your federal student loans by extending the standard 10-year repayment plan to 12 to 30 years. As a result, the amount you pay each month goes down, giving you more financial breathing room.

Absolutely not! The Federal government created the student loan consolidation program to help students and their parents afford higher education, so that our youth is better educated and can achieve higher earning power. Like many government programs, however, some of the rules and procedures may be a bit complicated. That's why you're encouraged to let OneSimpleLoan be your student loan consolidation provider of choice!

OneSimpleLoan, we take the time to carefully review your student loan profile, and then make recommendations about repayment options, borrower benefits to lower your monthly payments, deferment vs. forbearance and all other nuances in student lending to create a consolidation loan that is best for your particular situation. Not all consolidation firms may be able to help you this way. Our Student Loan Consultants are highly trained and well-versed to help you make the right choices.

A Federal Student Loan Consolidation can combine all or some of your eligible federal student loans into one new loan with a single monthly payment. A fixed interest rate for the life of your loan versus a variable rate that you currently have on your Federal Student loan(s). This loan will extend your repayment period and thus lower your monthly payment(s).

Want to find out if you are eligible? Request a free, no-obligation information packet or just give us a call toll-free at (877) 328-1565 and we can confirm your eligibility.

All of your student loans, usually a large group of them, will be “consolidated” into one new loan.

Extending your repayment period does increase total interest payments, since smaller payments are made over a longer period of time. However, there are no prepayment penalties, so you could pay off your loan more quickly and save on total interest payments. You may prepay all or any portion of your loan at any time without penalty. Any overpayment is applied to the principal loan balance and does not affect the monthly payment amount until the loan balance is zero.

We offer a reduced interest rate in the first year of the loan which is between 3.65% and 4.00% less than your full loan interest rate (between 9.89% and 11.08% APR).* This allows you time to start your career and establish yourself while your loan accrues interest at a lower rate. We allow you to make interest-only payments for the first two years of repayment.

Almost everyone qualifies for some type of college student loans, whether through private or federal financial aid means. Many college student loan candidates also can be surprised by how much they qualify for. You can easily fill out a free loan application to see just how much loan money can be obtained. The best advice, though, is to estimate you school expenses and don’t take anymore that what you know you will need.

A Federal Consolidation Loan is part of the family of loans available under the Federal Family Education Loan (FFEL) program as authorized by the Federal government. With a Federal Consolidation Loan, you can consolidate all or some of your outstanding education loans into a single new loan, even if your loans are currently held by more than one lender and are of different loan types.

A consolidation loan allows you to pay off several creditors and pay the balance to one creditor. This simplifies making monthly payments and can possibly reduce interest rates, so you may end up paying less than what you would have paid without the loan.

Yes and No. If you take a longer amount of time to pay off your student loan debt, you will pay more interest over the course of loan repayment. However, because there are no prepayment penalties and it is a simple interest loan, if you continue making the same payments you were making prior to loan consolidation, you will not pay more in interest and pay off the loan even quicker than your previous loan.

If you are in repayment, look on your most recent statement. If you are in grace or in a deferment/forbearance, look on the disclosure statements that were sent to you when you obtained your loans. These items should provide you with an account number, balance and interest rate.

The federal consolidation loan program allows a student to put all his/her federal educational loans into one new "consolidated" loan. General information about student loan consolidation can be found at www.finaid.org/loans/consolidation.phtml.? For specific information regarding loan consolidation, please contact your lender. You may use the following list of lenders' toll-free numbers and links to their consolidation information.

You may defer if you meet eligibility requirements including education reasons, unemployment, economic hardships or Peace Corps service.

SLS - Federal Supplemental Loans for Students (formerly Auxiliary Loans to Assist Students (ALAS) and Student PLUS Loans)

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A federal Consolidation Loan is part of the family of loans available under the Federal Family Education Loan Program (FFELP), as authorized by the federal government. With a federal Consolidation Loan, you can consolidate all or some of your outstanding education loans into a single new loan, even if your loans are currently held by more than one lender and are of different loan types.

Following is a list of loans types that are eligible for inclusion in the Federal Consolidation Program: If you have some of your loans with the Direct Loan Program or Perkins and some with one FFELP lender*, then you may qualify for a process where we will move forward with consolidating your Direct loans or Perkins in one Student Loan Financial Group™ loan and then use a form called the "180 Day Add-on" to roll or add your FFELP lender loans into that loan.

To be eligible for a consolidation loan from Student Loan Xpress, you must have at least $2,500 in eligible outstanding loans, you must not be currently in default on a Federal student loan, and you must not be enrolled in school half-time or more after July 1, 2006. Additionally, you must have at least one unconsolidated loan. If you have previously consolidated and have no new loans, you are not eligible. back to top

Peace Corps Volunteers are eligible for certain student loan deferrals for up to 36 months of service. Since Crisis Corps service is Peace Corps service, you would be eligible for certain deferrals if you have not already exhausted the 36-month period.

a fully admitted student in an eligible academic program, you must be enrolled at least halftime to be eligible for federal student loans. Loyola has semester and quarter graduate programs. During the regular 9-month academic year, halftime enrollment is defined as 4 hours per semester or 3 hours per quarter, depending on your program.In summer sessions, halftime enrollment is currently defined as 2 semester hours or 3 quarter hours, depending on your program.

EZ Graduate have total committment to delivering more than just student loans; we provide you with a full advisory service too EZ Graduate is proud to know that we have become a prime trusted resource among those shopping for student loans and student loan consolidation EZ Graduate has Educated Student Loan Counselors who will guide you step-by-step through the entire loan application process EZ Graduate have many years of experience in helping students find the right loan, and the most suitable.