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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).
Disclosure: Student Loan Hero is a free website to help student loan borrowers.
We only evaluate lenders and do not issue student loans.
Similar to when you are being sold any product or service, be sure to read the fine print understand what you are buying, and consult a licensed professional if you have any concerns.
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.
Learn more"Term" refers to the length of the loan, typically in years.
In general, the shorter the term, the lower the interest rate and the higher the monthly payments.
Often, the introductory rate on a variable-rate loan is lower than that of a fixed rate loan, though it has the potential to increase later.