Federal Student Loan Consolidation

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Federal student loan consolidation is a fixed-rate refinancing program that combines all of your existing federal student loans into one new loan. Consolidation is a great tool for managing your finances - providing immediate payment relief and long term benefits. With our fast and convenient eSignature, your application will be complete in just a few minutes.

  • Cut your monthly student loan payment by as much as 50%
  • Simplify your finances with one monthly payment
  • Improve your credit rating
  • No credit checks, fees, or application charges
  • Reduce your interest rate 0.6% by consolidating during your grace period

Free Non-Student Loan Debt Consultation

Do you have more debt outside of student loans? Please request a free debt consultation today. Consolidate your debt into one lower payment, avoid bankruptcy, and be debt free in as little as 12-48 months. Get Started Now!

Get Started – Easy Online Application

Federal Student Loan Consolidation Payment Relief

One of the key benefits of consolidating your federal school loans is payment relief. By combining all of your student loans into one consolidated loan, you can lengthen your repayment term from the standard 10 years to up to 30 years, depending on the amount of your education debts. With a lower monthly payment, you'll have more money available to meet other living expenses, including car payments, housing expenses, and career-related necessities. Because there are no penalties for overpayment, you can make larger payments and reduce your repayment term when it becomes affordable. Learn more about how student loan consolidation works in this step-by-step tutorial.

Consolidating with Student loan Consolidator

Get one-on-one personalized customer service. Our loan counselors will educate you on the benefits of federal student loan consolidation and help you determine if consolidating is the right choice. We will explain the consolidation process and the repayment options that are available to you.

What Qualifies for Federal Student Loan Consolidation?

Federal loan consolidation can include Federal Stafford Loan consolidation, PLUS Loan consolidation, Direct Loan consolidation as well as Perkins Loans, HEAL Loans and all Federal FFELP and Direct Loans taken to pay for your education. Private student loan consolidation is different - You will lose your federal loan benefits if you consolidate your federal loans into a private loan consolidation.

Consolidating with Student loan Consolidator

Get one-on-one personalized customer service. Our loan counselors will educate you on the benefits of federal student loan consolidation and help you determine if consolidating is the right choice. We will explain the consolidation process and the repayment options that are available to you.

Managing Existing Student Loan Debt Obligations:

  1. If you're having trouble meeting your student loan payments, contact your loan servicer. You may qualify for a deferment, forbearance, or repayment alternative that is more affordable.
  2. Consolidation can help by extending your loan's repayment term beyond the standard ten years. While this will increase the total interest charges, the monthly payments will become more manageable.
  3. Watch your expenses! Just as you need to be cautious when you're in school, you need to be aware of your expenses after you leave school.
  4. Limit credit card usage to absolute necessities. Remember you'll pay more for every charged item because of the credit card's finance charges.
  5. If you must have student credit cards, shop around for low interest rates or call existing credit card providers and ask them for a lower rate.
  6. If you are delinquent or in default, visit our Student Loan Default Assistance page for more help.

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University of Phoenix

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University of Phoenix offers undergraduate and graduate programs in business, education, nursing, technology and human services. Every degree program, course and certificate we offer is designed to challenge our students because the best way to ensure academic excellence is to demand it.

So, whether you're completing your degree online or at one of our campus locations, you'll gain relevant and practical knowledge from faculty who work in the fields they teach and fellow students who bring real-life experience to the class.

About University of Phoenix

At University of Phoenix, we've been thinking ahead for more than 30 years. In fact, we were founded in 1976 on an innovative idea: make higher education highly accessible for working students.

Accessible Education

Still guided by this idea, University of Phoenix has helped transform the landscape of higher education in widely recognized ways.

Many of the conveniences that 21st-century students now take for granted—evening classes, flexible scheduling, continuous enrollment, a student-centered environment, practitioner faculty, online classes, online library, ebooks, computer simulations—were pioneered or made acceptable through University of Phoenix's efforts.

An Innovative Approach

Not surprisingly, our unique approach has helped us grow from our humble origins as an upstart institution serving the unrecognized needs of working students. Today, University of Phoenix is the largest private university in North America, with nearly 200 convenient locations, as well as Internet delivery in most countries around the world.

We're also a comprehensive university. University of Phoenix has more than 100 degree programs at the associate's, bachelor's, master's and doctoral levels in much-desired employment areas, from business and technology to health care and education.

Most importantly, we're constantly innovating to help students balance education and life in a rapidly changing world.

Accreditations and Licensures

Accreditation means a quality education

University of Phoenix is accredited by the Higher Learning Commission and is a member of the North Central Association. For additional information, visit ncahlc.org.

Business Accreditation

The Associate of Arts with a concentration in Foundations of Business, Associate of Arts with a concentration in Accounting, Bachelor of Science in Business, Master of Business Administration, Master of Management, Doctor of Management and Doctor of Business Administration programs are accredited by the Association of Collegiate Business Schools and Programs (acbsp.org).

Nursing Accreditation

The Bachelor of Science in Nursing and the Master of Science in Nursing programs are accredited by the Commission on Collegiate Nursing Education (CCNE). For additional information, visit aacn.nche.edu.

Teacher Education Accreditation

The Master of Arts in Education program with options in Elementary Teacher Education and Secondary Teacher Education is preaccredited by the Teacher Education Accreditation Council (TEAC) for a period of five years, from December 20, 2007 to December 20, 2012. For additional information, visit teac.org.

Counseling Accreditation

The Master of Science in Counseling program in Community Counseling (Phoenix and Tucson, Arizona campuses) and the Master of Science in Counseling program in Mental Health Counseling (Salt Lake City, Utah campuses) are accredited by the Council for Accreditation of Counseling and Related Educational Programs (CACREP). For additional information, visit cacrep.org.

State and International Licensures

University of Phoenix is approved to operate in most U.S. states and other countries, either through licensure, registration, general or specific approvals, consent or exemption. Specific approval-related statements that are required by some states or provinces are as follows:

Florida: University of Phoenix is licensed by the Florida Commission for Independent Education, License No. 2308.

Georgia: University of Phoenix is authorized under the Nonpublic Postsecondary Educational Institutions Act of 1990.

Indiana: Fully accredited by the Indiana Commission for Postsecondary Proprietary Education. AC-0188. Indianapolis Campus is located at 7999 Knue Road, Suites 100 & 500, Indianapolis, IN 46250; Northwest Indiana Campus is located at 8401 Ohio Street, Merrillville, IN 46410.

Ohio: Registration Number is 1154320. Cleveland Campus is located at 5005 Rockside Road, Suite 130, Independence, OH 44131-2194; Cincinnati Campus is located at 9050 Centre Pointe Drive, Suite 250, West Chester, OH 45069-4875; Columbus Campus is located at 8415 Pulsar Place, Suite 100, Columbus, OH 43240-4032.

Puerto Rico: University of Phoenix operates under a renewal license granted by the Puerto Rico Council on Higher Education.

South Carolina: Licensed by the South Carolina Commission on Higher Education. The campus is located at 1001 Pinnacle Point Drive, Columbia, SC 29223.

Tennessee: Memphis Campus is located at 65 Germantown Court, Suite 100, Cordova, TN 38018; Nashville Campus is located at 616 Marriott Drive, Suite 150, Nashville, TN 37214; Franklin Campus is located at 377 Riverside Drive, Franklin, TN 37064; Chattanooga Campus is located at 1208 Pointe Centre Drive, Chattanooga, TN 37421.

Virginia: State Council of Higher Education for Virginia has authorized University of Phoenix to offer degree or certificate programs. Any course, degree or certificate program offered has been approved by the University of Phoenix governing board. Credit earned for coursework in Virginia can be transferred to University of Phoenix’s principal location outside Virginia as part of the University’s existing degree or certificate programs.

Alberta: University of Phoenix is approved to offer specific degree programs by Alberta Advanced Education. Degrees are conferred by University of Phoenix through its Central Administration office, located in Phoenix, Arizona.

British Columbia: The term "university" is used under the written consent of the Minister of Advanced Education, effective December 20, 2006, having undergone a quality assessment process and been found to meet the criteria established by the minister. Degrees are conferred by University of Phoenix through its Central Administration office, located in Phoenix, Arizona.

Affiliations

University of Phoenix also maintains voluntary memberships with numerous organizations, including:

  • American Council on Education
  • Association of American Colleges
  • American Association for Adult and Continuing Education
  • American Association for Higher Education
  • American Assembly of Collegiate Schools of Business
  • Council for Adult and Experiential Learning
  • College and University Personnel Association
  • Arizona Association of Collegiate Registrars and Admissions Officers
  • American Association of Collegiate Registrars and Admissions Officers
  • Independent Colleges and Universities of Arizona
  • American Association of Colleges of Nursing
  • Western Institute of Nursing
  • National Board for Certified Counselors
  • National Association for Foreign Student Admissions
  • Association of International Educators
  • National Association of Veterans Program Administrators
  • Servicemembers Opportunity Colleges
  • Defense Activity for Non-Traditional Support
  • various professional, program-specific organizations

  • University of Phoenix Foundation

    The University of Phoenix Foundation was established in 2006 by the University's founder, Dr. John Sperling, who was inspired by 30 years of witnessing the life-changing power of education.

    The mission of the Foundation is to increase access to education, especially for underrepresented and low-income students traditionally under-served by the education continuum, in an effort to provide a pathway for economic advancement. To fulfill this mission, the University of Phoenix Foundation provides grants to qualified public charities.

  • The mission of University of Phoenix is to provide access to higher education opportunities that enable students to develop the knowledge and skills necessary to achieve their professional goals, improve the productivity of their organizations, and provide leadership and service to their communities.

    Purposes

    • To facilitate cognitive and affective student learning--knowledge, skills, and values -- and to promote use of that knowledge in the student's work place.
    • To develop competence in communication, critical thinking, collaboration, and information utilization, together with a commitment to lifelong learning for enhancement of students' opportunities for career success.
    • To provide instruction that bridges the gap between theory and practice through faculty members who bring to their classroom not only advanced academic preparation, but also the skills that come from the current practice of their professions.
    • To provide General Education and foundational instruction and services that prepare students to engage in a variety of university curricula.
    • To use technology to create effective modes and means of instruction that expand access to learning resources and that enhance collaboration and communication for improved student learning.
    • To assess student learning and use assessment data to improve the teaching/learning system, curriculum, instruction, learning resources, counseling and student services.
    • To be organized as a for-profit institution in order to foster a spirit of innovation that focuses on providing academic quality, service, excellence, and convenience to the working adult.
    • To generate the financial resources necessary to support the University’s mission. Review the University's Mission and Purposes Statement.

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School Loan For consolidation

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Congress established the Federal Consolidation Loan program as part of the Higher Education Act to help make the repayment of student loan debt easier for student borrowers. A Federal Consolidation Loan allows you to combine all of your eligible Federal Education loans into one loan with a low, fixed interest rate and a flexible repayment plan. There are no fees or credit checks as part of this program.

Depending on the total amount of student loans that you have you can choose one of several repayment plans with loan repayment periods up to 360 months. The interest rate on your Federal Consolidation Loan will be the weighted average of the current interest rates on your eligible student loans being consolidated rounded up to the nearest 1/8%, or 8.25%, whichever is less. The interest rates on most student loans are based on the Treasury Bill and are adjusted each year on July 1st. This means that currently you have the opportunity to lock in rates before they rise and lower them an additional 1.25% through new incentive programs.

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Information about loan consolidation student loans

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The Higher Education Act (HEA) provides for a loan consolidation program under both the Federal Family Education Loan (FFEL) Programs and the Direct Loan Program. Under these programs, a borrower’s loans are paid off and a new consolidation loan is created. These programs simplify loan repayment by combining several types of Federal education loans (that may have different terms and repayment schedules or may have been made by different lenders) into one new loan. The interest rate may be lower than on one or more of the underlying loans. In addition, the monthly payment amount on a consolidation loan is usually lower and the amount of time to repay may be extended beyond what was available in the separate loan programs. These features should result in more manageable debt and should make borrowers less prone to default.

Here are some factors you should consider
when deciding if consolidation is right for you.

Are your monthly payments manageable? If you have trouble meeting your monthly payments, have exhausted your deferment and forbearance options, and/or want to avoid default, a Direct Consolidation Loan may help you. Use our online calculator to find out what your monthly payments would be under each of our repayment plans.

Too many monthly payments driving you crazy? If you send payments to more than one lender every month, and want the convenience of a single monthly payment, consolidation may be right for you. With a Direct Consolidation Loan, you will have a single lender - the U.S. Department of Education - and a single monthly payment.

What are the interest rates on your loans? If you have variable interest rates on your Federal education loans, you may want to consolidate. The interest rate for a Direct Consolidation Loan is fixed for the life of the Direct Consolidation Loan. The rate is based on the weighted average interest rate of the loans being consolidated, rounded to the next nearest higher one-eighth of one percent and can not exceed 8.25 percent. Use our online calculator to find out what your weighted average interest rate would be if you consolidate with us.

How much are you willing to pay over the long term? Like a home mortgage or a car loan, extending the years of repayment increases the total amount you have to repay.

How many payments do you have left on your loans? If you are close to paying off your student loans, it may not be worth the effort to consolidate or extend your payments.

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