Consolidating subsidized and unsubsidized student loans

You will be given a lower monthly payment to start, and then this payment will increase incrementally every two years.

Monthly payments are calculated based on the size and term of the loan.

You must make 120 on-time, full, scheduled, monthly payments on your Direct Loans. You must make those payments under a qualifying repayment plan.

If you are not currently in a qualifying program we can assist you in getting enrolled.

The interest rate on a consolidation loan is between the highest and lowest interest rates of the loans being consolidated.

Through June 30, 2013 the interest rates on a consolidation loan were capped at 8.25%.

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