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

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
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. Read More... Visit
Site

American Student Loan Center Endorsed by NewsWatch
NewsWatch endorses American Student Loan Center's goal to reduce the student loan burden placed on millions.
Publication Date: April 23, 2015

Bluepulse 1.5 Revamps Formative Assessment to Boost Student Engagement
eXplorance's new version of Bluepulse offers faculty an anonymous, private, two-way communication platform which not only offers tools to improve teaching methods, but also enhances student learning results.
Publication Date: April 22, 2015

MidAtlantic Farm Credit Loan Officer Selected for Administrative Council of Northeast Sustainable Agriculture Research and Education
Local agricultural lender, MidAtlantic Farm Credit, announces the appointment of loan officer Zach Evans to the Northeast Sustainable Agriculture Research and Educations administrative council.
Publication Date: April 21, 2015

Study: Trade School Offers Affordable Alternative to College; D-Mar General Contracting Advocates for Trade School Education Amid Rising Demand for Skilled Workers
With college loan debts approaching $1.2 trillion and the construction and contracting industry facing a shortage of skilled workers, Doreen DiPolito of D-Mar General Contracting and Development advises students to consider trade school as an alternative to traditional college degrees.
Publication Date: April 23, 2015

Terry Savage Headlines AICCCAs 22nd Annual Conference April 29 - May 1, 2015 Sofitel Chicago Water Tower
AICCCA, the largest nonprofit association of credit counseling agencies, offers a unique opportunity to hear speakers address consumer credit counseling issues exclusively for AICCCA conference attendees.
Publication Date: April 23, 2015

Debt.com Reveals the Most Financially Literate States in the U.S. with New Interactive Map
Find out which states rank highest and lowest when it comes to money matters.
Publication Date: April 22, 2015

Global Debt Registry Appoints Kathy Simmermon to EVP of Business Development
New hire demonstrates continued momentum for fast-growth financial services company
Publication Date: April 23, 2015

Penn State financial literacy expert suggests 'spring cleaning' your finances
April is National Financial Literacy month, and Penn State financial literacy manager Daad Rizk recommends taking the opportunity to clean out your financial clutter, both electronic and on paper.
Publication Date: April 16, 2015

American Consumer Credit Counseling Offers Advice on How to Build a Retirement Account
Paying off credit card debt, maximizing your 401k and building a college fund are key tips for preparing for retirement.
Publication Date: April 21, 2015

Survey: Vital Student Financial Aid Counseling Suffers Due To Burdensome Federal Regulations
NASFAA Offers 9 Recommendations To Alleviate Pressure On Aid Offices
Publication Date: April 22, 2015

PenFeds Tammy Darvish Receives Schaefer Award
A top-level PenFed executive is honored for volunteer work to promote financial literacy.
Publication Date: April 23, 2015

Top 10 Questions to Ask College Financial Aid Officers
As high school seniors across the country compare financial aid award letters before deciding where to go to college, Mark Kantrowitz, Senior VP and Publisher of Edvisors.com and author of Filing the FAFSA, has prepared a list of the top ten questions students and their families should ask college financial aid administrations.
Publication Date: April 22, 2015

 

 

 

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