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If you meet these requirements, you might be an excellent candidate for student loan refinancing and consolidation!
If you don’t think you meet the requirements, don’t worry – as you can apply with a cosigner to increase your chances of getting approved for a better student loan.
*APR is Annual Percentage Rate as explained in the hyperlink.
Please keep in mind that the actual rates offered may be adjusted based on your credit history and other factors that could impact our actual rate.
Fortunately, we’ve highlighted the six best banks and lenders to help you refinance and consolidate both private and federal student loans, based on your financial situation.
With student loan consolidation, you may be able to refinance at a lower interest rate, decrease your monthly payment, or both!
When you apply, most banks and lenders will look at your credit score, annual income, savings, and college degree type (or certificate of enrollment if still in school).
You can apply for a loan at any time, regardless of your length of membership or the amount in your savings account.
We also allow you to apply to top-up your loan too, should you ever find yourself needing extra funds!
Search for consolidating a loan:
National Debt Relief Program can connect you with our network of debt relief providers.