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Student Loan Consolidation
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Whether you have federal student loans (such as Stafford, PLUS, or Federal Perkins loans) or private student loans, there are a number of student loan consolidation services that can help you consolidate your loans into one single debt. This can result in lower interest rates, and, in some cases, dramatically reduced monthly loan payments. Many consolidation services offer fixed interest rates for the life of the loan, which can lock in your savings for years to come. This is good since consolidation loans typically have longer terms than other loans - usually anywhere from 10 to 30 years.

A recent study by the National Center for Education Statistics shows that half of all recent college graduates have an average student loan debt of $10,000. For some students, this amount is much higher. Additionally, many students receive loans from a number of sources.

There are many advantages to consolidating all of these loans into a single debt. With interest rates at record lows, you will most likely receive a better rate by consolidating your loans now than when you first got your loans. The second advantage is reducing the number of creditors you have, which makes it easier to keep track of monthly loan payments. Additionally, consolidating your student loans into a single debt simplifies the repayment process, making it less likely that you will default on your loan payments.

There are a number of services available to help you in this process. Some only offer federal student loan consolidation, while others enable you to consolidate both federal and private student loans. Therefore, it is important to make sure that the student loan consolidation service you choose meets your student loan consolidation needs. Additionally, while some websites provide instant, online loan quotes, other websites do not. You will want to make sure that the service you select provides you with the information you need to make consolidation decisions.

There are a variety of issues to consider when looking for a student loan consolidation plan. Some of these include:

  • Information. Does the website provide adequate information to help you make student loan consolidation decisions?
  • Quality of Service. Does the website provide consolidation solutions that meet your needs?
  • Professionalism. Is the website professional and credible? Does the consolidation service have a strong reputation in the industry?

TopConsumerReviews.com has reviewed the best student loan consolidation programs available today. We hope this information helps you select the student loan consolidation program that's right for you!

Disclosure: We pay our reviewers for their reviews. We are not compensated by companies for their reviews, but we are compensated for links and advertisements on our website. Click here for details.

2016

Student Loan Consolidation Reviews

5 stars
National Debt Relief

NATIONAL DEBT RELIEFTopConsumerReviews.com Best-In-Class Blue Ribbon Award

National Debt Relief is a leading provider of financial solutions, and they have an impressive range of options for both private and federal student loans. This company comes with a strong reputation, maintains a strong "A" rating from the Better Business Bureau, and offers a 100% money back guarantee with their plans. If you're in the market to consolidate and better manage your student loans, National Debt Relief should be your first choice. Read More... Visit
Site

4.5 stars
Student Loan Consolidator

STUDENT LOAN CONSOLIDATOR

Student Loan Consolidator offers both federal and private student loan consolidation. They also offer special options, such as interest-rate reductions and interest-only payments. Additionally, they provide a toll-free number that enables you to contact loan counselors with any questions you might have. Read More... Visit
Site

4 stars
LendKey

LENDKEY

LendKey is an online provider of student loan consolidation services with strong customer reviews. Their ability to connect students with community banks and credit unions for both federal and private school loans makes them a good choice for most consumers, though occasional issues with the website may prove frustrating. Read More... Visit
Site

4 stars
Chase Loan Consolidation

CHASE LOAN CONSOLIDATION

Chase is a leading financial services institution and one you can trust when it comes to federal student loan consolidation. Their online application is quick and easy, and you can find out whether you are eligible for their services within moments. Chase has a professional website that is easy to navigate and use. However, Chase does not quite offer the same level of service as our higher-rated selection.
Read More... Visit
Site

3.5 stars
Wells Fargo Student Loan Consolidation

WELLS FARGO LOAN CONSOLIDATION

Wells Fargo offers competitive loan consolidation for those who are consolidating only private student loans. They do not offer consolidation of Federal loans, which dropped them a bit in our ranking. Read More... Visit
Site

3 stars
Federal Loan Consolidation

FEDERAL LOAN CONSOLIDATION

Federal Loan Consolidation offers the consolidation of Federal Education Loans. The website is robust with information, but at times difficult to understand and lacks the professionalism that most people have come to expect.
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Site

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Published:  Mon, 23 May 2016 07:28:00 GMT



After paying off $100,000 of debt, we plan not to let our kids ever borrow for college

Rather, I figured debt would always be a part of my life. Like Uncle Eddie in "National Lampoon's Christmas Vacation," student loans had parked themselves in front of my house with no intention of leaving until they had drained whatever resources ...

Published:  Mon, 23 May 2016 08:13:00 GMT



Maine woman sues to stop collection of student loans she says she doesn't owe

BANGOR, Maine - When Jane C. Forrester Winne's federal student loans were dismissed after she became disabled because of complications from diabetes in 2011, she believed all the money she borrowed between 1980 and 2008 to attend the University of ...

Published:  Sun, 22 May 2016 01:00:00 GMT



Can You Use Student Loans to Go On Spring Break?

The essential college experience requires all-nighters at the library and, to some, a keg stand or two and a less-than-lucid spring break vacation. And, much like a degree, tequila shots and beachside hotels don't come cheap. About one in five American ...

Published:  Sat, 21 May 2016 10:19:00 GMT



Five tips for buying a home if you have student loans

When Kristin and Sean Couch were ready to buy their first home, they feared that one thing would hold them back: Kristin's student loans. Her broadcast journalism master's degree from Syracuse University had left her more than $80,000 in debt.

Published:  Fri, 20 May 2016 01:00:00 GMT



Graduation Season: Paying Off Student Loans

It's graduation season and while the accomplishment is new and celebrations are still fresh for many for you, it's never too early to start thinking about paying off student loans. In fact, if you have already secured a job, consider making a ...

Published:  Sat, 21 May 2016 18:55:00 GMT



How to Pay Off Student Loans After Graduation: 9 Helpful Tips

Graduation day and commencement are just around the corner. If you're a new graduate, or about to be one, donning a cap and gown signifies the end of that challenging and memorable four-year journey called college. After graduation, you might be starting ...

Published:  Mon, 16 May 2016 09:10:00 GMT



Associates, Want To Reduce Your Student Loans? Read This.

Your article was successfully shared with the contacts you provided. "Oh, you wanted our free savings account?" That was the ridiculous question the representative of a bank (now shuttered) asked my husband and me when we pointed out that our young sons ...

Published:  Mon, 23 May 2016 04:27:00 GMT



 

 

 

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