Federal Student Loan Consolidation from NextStudent

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	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
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