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      May 27, 2017

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Loan Consolidation

  1. SoFi
  2. Student Loan Cons
  3. LendKey
  4. Chase Loan Cons
  5. Wells Fargo
  6. Fed Loan Cons

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Student Loan Consolidation Better Business Bureau Reliability Seal

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.

Continue reading below reviews

2017

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
SoFi

SOFI

SoFi (which is pronounced "SEW-fi", short for "SOcial FInance") is one of the most innovative resources available for both federal and private student loan consolidation. Their user-friendly website, including helpful articles to help students navigate the world of finance, makes it easy to understand all of your options. SoFi is also the only lender we found that offers unemployment protection, which may allow you to suspend your loan repayments for up to 12 months if you lose your job. SoFi should absolutely be on your short list for lenders if you're looking to consolidate your student loans.
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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.
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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

Continued from above

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. Many students receive loans from a variety 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. Consolidating your student loans into a single debt also 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!

6 vital things parents need to know about student loans

About 3.5 million high school students are expected to graduate from high school this spring, and most will go to college. While this a proud moment for students and parents, many families are stressed about how to pay for school in the fall. Before ...

Published:  Fri, 26 May 2017 10:04:00 GMT



Graduating? Here's What to Know About Your Student Loans

Whether the speaker at your college graduation is the Apple chief executive Tim Cook (M.I.T.) or the actress Eva Longoria (Knox College), the event signals the end of your undergraduate career - and moves you that much closer to having to repay your ...

Published:  Fri, 26 May 2017 14:09:00 GMT



How can I pay off $175,000 in student loans and still have a life?

I am 27 and just graduated from law school with about $175,000 in student loans. I have a good job, but am torn between working to pay off these loans quickly, or focusing on more equity-building financial decisions, like saving for a down payment on a house.

Published:  Thu, 25 May 2017 05:57:00 GMT



Here's how Trump wants to change the way you repay student loans

If the Trump administration get its way, it will cost more for some low-income students to borrow for college, graduate students will spend a longer time repaying their debts and public servants will lose out on loan forgiveness. That's based on the ...

Published:  Wed, 24 May 2017 07:50:00 GMT



Trump's budget seeks to eliminate one major benefit of federal student loans that costs billions

Borrowers can have their federal loans forgiven if they make 10 years of on-time payments and work for an employer the Department of Education deems to be serving the public good. More than a half-million borrowers have been certified by the Department of ...

Published:  Wed, 24 May 2017 07:56:00 GMT



Should You Refinance Your House to Pay Off Your Student Loans?

Like almost every young adult in America, I was still in student loan debt years after I'd graduated. I also had a house, which thankfully had gone up in value and which I'd been paying a mortgage on for years. Thanks to the equity built up in my home, I ...

Published:  Thu, 25 May 2017 07:33:00 GMT



Study Says Woman Find It Harder To Pay Off Student Loans Than Men

study says females represent half of the student body, but they hold almost two thirds of the country's $1.3 trillion student debt.

Published:  Wed, 24 May 2017 19:03:00 GMT



The Case for Private Student Loans

Most everyone agrees that college costs too much. But what can be done about it? To answer that question, we must first understand why tuition is so high. A growing body of evidence suggests that federal policies aimed at making college more affordable ...

Published:  Tue, 23 May 2017 12:09:00 GMT



Trump budget seeks end to subsidized student loans, forgiveness

WASHINGTON - The Trump administration is proposing to eliminate subsidized student loans and end student debt forgiveness for those who enter public service, according to a budget document released late Monday. The proposals are likely to face criticism ...

Published:  Tue, 23 May 2017 08:48:00 GMT



DeVos Education Budget Could Make It Harder To Obtain, Repay Student Loans

Days after the Department of Education revealed it would give all student loan accounts to one servicing company and strip away more protections for federal student loan borrowers, Secretary of Education Betsy DeVos outlined the Department's proposed ...

Published:  Tue, 23 May 2017 03:46:00 GMT



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