Remember
it takes only a few quick steps to develop a personalized debt payment reduction plan that works for your budget. One quick submission and your new estimated payment amount can be provided to you within minutes:

Give us a call at: 1-800-895-1911
or start your application online

If you consolidate your federal student loans before your grace period ends, you can lower your consolidated rate by 0.6% and lock-in a fixed rate at:

4.75%

your potential estimated savings are now even greater (repayment example shown below).

For more information about the in-grace discount: click here

Consolidated Loans without the In-Grace Discount Loan Amount $15,000 $25,000 $40,000 $60,000 Your Current Estimated Monthly Payment $161 $269 $430 $645 Your Estimated Consolidated Monthly Payment $122 $170 $243 $336 Estimated Monthly Reduction $40 $99 $187 $309 Consolidated Loan with the In-Grace Discount Loan Amount $15,000 $25,000 $40,000 $60,000 Your Current Estimated Monthly Payment $161 $269 $430 $645 Your Estimated In-Grace Consolidated Monthly Payment $117 $162 $228 $313 Estimated In-Grace Monthly Reduction $45 $107 $202 $332 Estimate your reduction with your in-grace rate discount: SELECT $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000 $55,000 $60,000 $65,000 $70,000 $75,000 $80,000 $85,000 $90,000 $95,000 $100,000 $110,000 $120,000 $130,000 $140,000 $150,000 $160,000 $170,000 $180,000 $190,000 $200,000 Total Loan Amt. Current Payment New Payment REDUCTION   download this monthly payment worksheet to run your own numbers: click here

Note: The chart is for example only. Your actual savings my differ. The numbers are estimated as follows:

Current Payment: uses a 5.30% interest rate under a standard 10 year repayment plan. This rate is for loans first disbursed between July 1, 1998 and June 30, 2005. Loans disbursed before this period have a slightly higher interest rate.

Consolidated Payment: calculated under the Federal Consolidation Program using an example of a 5.375% with extended repayment terms.

The In-Grace Consolidated Payment: calculated under the Federal Consolidation Program using the in-grace discount of 4.750% with extended repayment terms.

Note that extending the repayment period increases your total interest costs because you will be making smaller payments over a period of time. You can however prepay all or any portion of your outstanding balance without penalty reducing the total amount of interest paid over the life of the loan.

You can reduce your fixed rate even further
by having your monthly payments automatically deducted from your money account each month.

Your fixed, in-grace consolidated rate will then be:

4.50%

Other benefits with automated payments:

• no checks to write
• no payment deadlines to worry about
• payments made on time, every time
• will help you qualify for the -1.00% discount after 36 consecutive, on-time payments: see below

For more information about the automatic payments: click here

Imagine reducing your rate up to an additional 1.00%
you can after making consecutive, on-time payments for a select period of time depending on your consolidated balance.

Your in-grace rate with automatic payments can drop to:

3.50%

and will remain at that level for the remaining term of your loan as long as you continue to make consecutive on-time payments.

For more information about the 1.00% reduction: click here

Get a customized repayment plan developed for you:

• no obligation
• get a true estimate of monthly savings
• review different repayment plans

Your consolidation professional will review your situation, collect your outstanding federal student loan debt, and assemble a repayment plan that works for you.

call toll-free: 1-800-895-1911
or click to begin your online application