• Borrow from $10,000 to $250,000 total
• We contact and pay off your lenders
• One loan statement, one payment to make
• Lower your monthly payment
• Great rates and terms

• Added interest rate savings of .25% for automated payments and .50% for good payment history with Loan to Learn¹
• High approval rates — particularly when applying with co-signers
• Help from consolidation loan professionals who are ready to serve your needs

¹Make your first 48 consecutive monthly loan payments by the payment due date, and receive a 0.50% rate reduction for the remaining term of your loan.

Ranges of Interest Rate

Our Consolidation Loans have adjustable rates based on the Prime Rate (4.00% as of November 2008), plus or minus a margin based on the credit worthiness of the borrowers.

* Includes a 0.25% discount for automated payments. An additional discount of 0.50% for good payment history is available after your first 48 consecutive on-time payments.

Fees

An Origination Fee of 0% - 4%, as determined by loan amount and the credit worthiness of the borrowers, may be added to the principal amount of the loan.

Repayment Term

• Up to $40,000, loans are amortized up to 20 years
• $40,000 or more, loans are ammortized up to 25 years
• There are no prepayment penalties.

Repayment

Immediate: Principal and interest payments begin as soon as the loan is disbursed.

Eligibility

Borrowers must be U.S. citizens or U.S. permanent residents. Income must be verified reliable and sufficient to repay the amount borrowed in addition to existing debts and obligations. Borrowers must have established credit history.

Co-signers

Creditworthy co-signers will assist in securing the maximum loan amount with the best possible rates and terms.

NOTE: While Loan to Learn® can be used to consolidate federal student loans, you should first consider a federal consolidation loan, because it is subsidized by the federal government and offers a lower interest rate.

Do I need co-signers?

If you are a student, it is strongly recommended that you apply with creditworthy co-signers, such as both parents or other close relatives, not only to maximize the amount you're eligible to borrow, but also to obtain more beneficial loan terms.

Are there any application deadlines?

You can apply at any time.

Can my rate be lowered after I have the loan?

Yes. Loan to Learn offers multiple ways to lower your rate, allowing as much as .75% in total interest rate savings. Please see Pricing and Terms for more details.

What can a Loan to Learn Consolidation Loan be used for?

To combine one or more education loans into one monthly payment, which could significantly lower your monthly bill.

NOTE: While Loan to Learn® can be used to consolidate federal student loans, you should first consider a federal consolidation loan, because it is subsidized by the federal government and offers a lower interest rate.

Can I consolidate a Loan to Learn loan?

Absolutely. You may consolidate one or more Loan to Learn loans as long as at least $10,000 of non-Loan to Learn loans are included.

What do I need to know to apply for a Consolidation Loan?

A comprehensive list of everything you need to know about applying for a Consolidation Loan, including required documents, monitoring the status of your loan, contact information and more can be found in the Student Loan FAQs.