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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? 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 and we are compensated for our reviews. Click here for details.

Student Loan Consolidation Reviews

5 stars
National Debt Relief

NATIONAL DEBT 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

4.5 stars
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

4 stars
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

3.5 stars
Wells Fargo Student 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

3 stars
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. Read More... Visit

Americans are having more trouble paying off their student debt than their houses
Americans are struggling to make timely payments on student loans -- even as we shrink other types of balances.
Publication Date: Thu, 19 Feb 2015 09:00:50 -0800

Student Loans May Be Bad for Young Adults' Mental Health
College takes a heavy toll on a students mental health. A new study is one of the first to look at the link between student loans and mental health in young adults. Lead author Katrina Walsemann, an associate professor in the Department of Health Promotion, Education, and Behavior at the University of South Carolina, and her colleagues analyzed responses from 4,643 Americans born between 1980 ...
Publication Date: Fri, 13 Feb 2015 05:53:42 -0800

The People Who Are Willing to Destroy Their Credit on Principle
Student loans, especially when they come from the government, are a lot like bedbugs: Once you have them, theyre almost impossible to get rid of. Unlike other debts, the government essentially doesnt allow people to discharge student loans in bankruptcy, and theres no statute of limitations on these loans, so if you dont pay them back, they will stick around as long as you do. On Monday, 15 ...
Publication Date: Wed, 25 Feb 2015 05:00:03 -0800

A dangerous revolt: People are refusing to pay back student loans
Former Corinthian College students are refusing to repay their federal loans in protest of the school's abusive practices, but the move could backfire and result in wage garnishment.
Publication Date: Wed, 25 Feb 2015 12:13:15 -0800

Feds Dudley: Student Loans May Not Be For Everyone
Federal Reserve Bank of New York President William Dudley warned Wednesday that borrowing to finance higher education may not be for everyone.
Publication Date: Wed, 04 Mar 2015 06:48:10 -0800

Take 4 Steps to Earn a Cosigner Release on Private Student Loans
And private student loans, which often have a parent or grandparent cosigner, can really bring that stressful mixture to a boil. Some private lenders offer a cosigner release, which lets a cosigner cede responsibility for the loan if the student meets certain requirements. In the private student loan industry, where most loans have a cosigner -- about 90 percent in 2011, according to the most ...
Publication Date: Wed, 11 Feb 2015 06:00:00 -0800

Households staggering under student loans
While problems with most other loans are easing, student loans are entering uncharted heights and late payments are surging, says new data
Publication Date: Tue, 17 Feb 2015 08:30:00 -0800

Money Minute: What happens if you don't pay your student loan bill?
Miss a student loan payment? Yahoo Finance's Mandi Woodruff tells you what to expect.
Publication Date: Tue, 03 Mar 2015 10:32:13 -0800

ACCC Offers 5 Steps to Protect Yourself from Identity Theft
During National Consumer and Protection Week, national nonprofit American Consumer Credit Counseling provides consumers with tips to minimize the threat of identity theft.
Publication Date: March 04, 2015

'Corinthian 15' launch 'debt strike' over student loans
A handful of former students claiming to be "made poor by the business of education" are protesting their student loans by refusing to pay them.
Publication Date: Sun, 01 Mar 2015 12:19:03 -0800

How to build credit with a student loan
Student loans are usually overlooked as credit tools. But for young people with few other accounts, paying on one can provide a powerful credit score boost
Publication Date: Thu, 05 Feb 2015 05:00:00 -0800

Women and Money: Addresses Concerns of Keeping Quiet in 2015
Recent information shows that women would rather not talk about money matters because it is 'too personal.' offers a new solution that makes it easy for women to improve their skills without saying a word.
Publication Date: March 04, 2015




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