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Home PersonalStudentSmart Products & ServicesConsolidation Loans

After You Graduate Consolidate!

Graduation is a great accomplishment with many wonderful opportunities for you. The first opportunity you'll want to take advantage of is to consolidate your student loans. 

Benefits of Consolidating Your Federal Loans:
  • Convenience: Simply put, making only one student loan payment each month is a lot easier than making several payments. Consolidating can save you a lot of time and hassle.

  • Lower Monthly Payments: Depending on how much you owe, you may be able to extend your repayment period up to 30 years*, instead of the standard 10. This can lower your monthly payments considerably, making it easier to pay all your bills from month to month.
For information about options and qualifications, Contact Department of Education at 1-800-557-7392.

The Education Affordability Reconciliation Act requires all future Federal Loans including Federal Consolidation Loans to go directly through the Department of Education. Contact your school financial aid office with all questions. 

*Subject to Change

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