STUDENT LOAN CONSOLIDATION PROGRAM BENEFITS

• Fixed Interest Rate
  
• Interest Rate Deductions
  
• Locked Rates
  
• No Prepayment Penalty
  
• Automatic Debit Discount
  
• Lower Monthly Payment
  
• No Fees / No Costs
  
• No Credit Check
  
• Flexibility
  
• Electronic Signature
  
• 17 Day Average Turnaround Time
  
• One Monthly Bill
  
• Improves Credit
  
• Possible Tax Deduction
  
• Refreshes Deferment / Forbearance Privledges

Need Help?  Have Questions? 

Contact one of our Loan Counselors now at 1-888-9-GRADLOAN  or 1-888-947-2356

Peace of mind, your student loan consolidation monthly rate never increases.

You receive 1% interest rate reduction for making your first 36 scheduled monthly payments on time. Saves overall interest cost. Once earned you are guaranteed the lower rate. Receive an additional .25% reduction with automatic payments (ACH).

Rate is locked for the life of the consolidation loan. When in deferment or forbearance the on-time counter may go on hold.

You have complete control of how fast you payoff your consolidated student loan.

A .25% interest rate reduction on your consolidation loan for having your monthly payments automatically deducted from your checking / savings account saves even more on the overall interest cost.

Extra money in your pocket every month that you can use to pay off higher interest debt.

FREE, No out of pocket expense keeps more money in your pocket.

It makes qualifying easier so that you may still qualify even with less than perfect credit.

You can change your payment plan on your consolidation loan once a year.   Choose from a variety of payment options.

Simplifies your consolidation by providing a secure signature process for returning your application.

Application is sent pre-filled out immediately, processing moves rapidly after receipt of application so you can start saving sooner.

Saves you time, there is no hassle dealing with multiple bills and statements.

Consolidating your student loans lowers your debt to income ratio and may raise beacon score.

Consolidating your federal student loans may reduce your tax liability. (Check with your tax advisor for eligibility)

By consolidating your student loan may have 3 more years of deferment and 3 more years of forbearance available to you.