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.

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.

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.

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

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.

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.

Student loan consolidation saves time and money on Federal Stafford Loans. By consolidating student loans you merge all federal loans to one company, thus making it easier to manage. By consolidating student loan debts, a fixed interest rate is set for the life of the loan. This means that if/when annual interest rates increase yours won’t, which makes it advisable to consolidate as soon as possible. It is estimated that loan consolidation saves student 10-60% on expected payments.

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.

You should contact the holder of your loan. If you don't know who holds your loan, you can use our Web site (www.nslds.ed.gov) to find out about your federal student loans. The site displays information on loan and/or federal grant amounts, outstanding balances, loan statuses, and disbursements. To use the NSLDS Student Access Web site, you will need to provide your Social Security Number, the first two letters of your last name, your date of birth, and your PIN.