No, federal student loans are subject to unique terms and conditions and may not be combined with the Student Loan Consolidator Private Consolidation Loan. We recommend that you take advantage of a separate federal consolidation loan product for these loans.

Yes, private consolidation loans can be used to consolidate all education related debt, including private loans for education related expenses as well as all federal student loans. With private loans, you can even consolidate a spouses loan, which with federal consolidation loans you cannot.

If you have financed your studies with loans under the Federal Stafford (Subsidized and Unsubsidized), Federal District, and Federal Perkins programs you may be eligible to consolidate some or all of these loans, no matter who holds them. If you consolidate your loans, your period of repayment may be extended and you will make one monthly payment for all consolidated loans. Caltech does not offer consolidation.

Private student loans often are available at any time during a school period. Many find it to be a faster and easier process than applying for federal financial aid. The loan money is sent directly to you and you may qualify without a cosigner. Many prefer not to have deadlines for when the need or don’t need money and private loans are great if you need more than previously estimated.

All loans must be under the same borrower's Social Security Number, thus parents cannot consolidate their PLUS Loans with their children's Stafford Loans, or vice-versa.

A math SAT score of 530 (ACT of 22) is required for students who wish to use college math credit to satisfy a high school math (CPC) requirement. Yes. One three-semester hour college course is equivalent to slightly more than half of a Carnegie unit. (Five college semester hours are equal to one Carnegie Unit.) However, the college course can be used to satisfy one additional academic unit (above the minimum 16 College Preparatory Curriculum units). Yes.

Yes. Any two individuals can consolidate their student loans together. For example, parents can consolidate the loans of one or more children and spouses can consolidate their loans into one Edamerica Private Combination Loan.

Lock in your rates - a StudentFirst Federal Consolidation Loan is fixed for the life of the loan. Federal Stafford Subsidized and Unsubsidized Loans have adjustable interest rates that are adjusted annually. Consolidation will help your credit scores and debt-to-income ratio, both key factors if you’re looking to purchase or refinance a home.

If you are still in school, we would caution you to wait until after graduation or when your current deferment has ended. Of course, if you're in a position to make payments in advance of those two events, we would urge you to begin the process now to simplify repayment and pay down your student loans early.

You can consolidate or combine your loans into one monthly payment after graduation or termination of your education. Getting Started | Financial Aid Information | Financial Aid Officers | Contact Information Personal Home | Online Banking | Checking & Savings | CDs | IRAs | Mortgages

Interest rates for federal student loans are fixed. The Stafford loan is currently at 6.8%, the PLUS loan is currently at 8.5%.

You’re eligible to borrow up to the approved budget less any anticipated scholarships and/or federal Stafford loans. We encourage you to be conservative about the amount you borrow, borrowing only what you need. J.D. Prospective Students     |     LL.M.

Answer: The CAL loans are not eligible for consolidation with other federal student loans you may have received.

Typically you may consolidate your federal student loans only once. You might qualify for another Federal Consolidation Loan if you: FFELP stands for Family Federal Education Loan Program. FFELP lenders are authorized by the federal government to administer federal student loans, including Stafford and PLUS Loans. interest rate that remains the same throughout the life of a loan.