Federal Student Loan Consolidation Could Save You Hundreds of Dollars

The rates on federally guaranteed loans (which change annually based on the three-month Treasury Bill) dropped July 1, 2004 to the lowest levels in the history of the program. Now federal student loan consolidation rates are 3.5% or at as low as 3.125% with discounts when you take advantage of NextStudent’s benefit and incentive plans.

Federal Student Loan Consolidation Is Good Money Management

Consider these benefits of federal student loan consolidation:

• Record-low interest rates (currently 3.5%or at as low as 3.125% with discounts) fixed for the term of your loan can save you thousands
• Lower your monthly payment burden by as much as 60%
• Save an extra 0.6% more during grace periods or eligible deferment
• Get an additional 0.25% rate reduction with auto-debit
• 1% interest rate reduction after you make your first 36 consecutive on-time payments
• Retain all federal borrower benefits
• Flexible repayment options
• There are no fees, charges, or prepayment penalties

There are no credit checks or co-signers required

Federal Student Loan Consolidation Saves You Time

After graduation, consolidation loans can help ease the burden of repayment by bundling all your student loans into a single loan with one lender and one repayment plan. Students and parents are each eligible for federal student loan consolidation. Everyone saves time and money!

Federal Student Loan Consolidation Helps You to Take Control of Your Cash Flow

By consolidating your student loans into one lower monthly payment, you gain the freedom to better manage your monthly budget, and invest more of your earnings for the future. Begin the Application Process Now!

or call us toll-free at (800) 299-4639

You May Qualify for Federal Student Loan Consolidation if You:

• Are no longer enrolled more than half time in school
• Are in repayment or in a loan grace period (normally 6 months after leaving school)
• Have not previously consolidated your loans

Student Loan Consolidation Could Save You Hundreds of Dollars

The rates on federally guaranteed loans (which change annually) dropped July 1, 2004 to the lowest levels in the history of the program. This means that student loan consolidation rates are as now low as 3.125% when you take advantage of NextStudent’s benefit and incentive plans.

Student Loan Consolidation Is Good Money Management

Consider these benefits of student loan consolidation:

• Near record-low interest rates (currently 3.5% or at as low as 3.125% with discounts) fixed for the term of your loan can save you thousands
• Lower your monthly payment burden by as much as 60%
• 1% interest rate reduction after you make your first 36 consecutive on-time payments
• Retain all federal borrower benefits
• Flexible repayment options
• No fees, charges, or prepayment penalties
• No credit checks or co-signers required

Student Loan Consolidation Saves You Time

After graduation, consolidation loans can help ease the burden of repayment by bundling all your student loans into a single loan with one lender and one repayment plan. Students and parents are each eligible for student loan consolidation.

Student Loan Consolidation Allows You to Better Manage Your Cash Flow

By consolidating multiple student loans into one lower monthly payment, you gain the freedom to better manage your monthly budget, and invest more of your earnings for the future.

Take 2 Minutes to Apply Online or call us toll-free at (800) 299-4639

You May Qualify for Student Loan Consolidation if You:

• Are no longer enrolled more than half time in school
• Are in repayment or in a loan grace period (normally 6 months after leaving school)
• Have not previously consolidated your loans

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