Total Student Loans
Current Payment: $350.49
Your New Payment: $232.59
Monthly Savings: $117.90
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Consolidate with Graduate School Loans
Graduate School Federal Loan Consolidation

Federal Loan Consolidation Apply Now Graduate School Federal Loan Consolidation with Graduate School Loans
A Graduate School Loans Federal Loan Consolidation offers many great benefits. A Graduate School Loans Federal Loan Consolidation will give you a fixed interest rate and single monthly payment. This means you will only have one payment each month that will take care of all your federal student loans from undergraduate and graduate school at a great low rate. Plus, a Graduate School Loans Federal Loan Consolidation will lower your payment significantly. Consolidate today and save!

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Benefits of a Graduate School Loans Federal Consolidation:
  • No credit checks
  • No fees
  • Fixed rate
  • No prepayment penalties
  • Flexible repayment plans
  • Deferment and forbearance still available
  • Borrower benefits, including .25% rate reduction for enrolling in the auto-debit repayment plan in addition to a 1% rate reduction for 36 consecutive on-time payments.
Eligibility: *contact Graduate School Loans at (800) 680-7195 if you are unsure about your eligibility
  • At least $30,500 in federal student loans (see list below for eligible loans)
  • Not in default on any federal student loans
  • Have not consolidated previously
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Eligible Loans:
Federal Perkins Loans
  • Graduate Students eligible, do not have to be enrolled at least half-time
  • Graduate amount, up to $6,000 a year (maximum of $40,000, including undergraduate loans)
  • Amount actually received depends on financial need, amount of other aid,
  • availability of funds at school
  • Interest rate at 5%
  • Lender is your school
  • Repayment is your school or its agent, up to 10years to repay, depending on amount owed
  • Eligible for consolidation
Stafford Loans for Graduate School Students
  • FFEL Stafford Loans
    • Graduate students eligible, must be enrolled at least half-time
    • Financial need not required, awarded amount dependent on cost of education/program attending
    • If financial need demonstrated, the U.S. Department of Education will pay the interest that accrues on this loan during certain periods
    • Private lenders provide funds that are guaranteed by the federal government.
    • Repayment is directed toward the bank or private lender who made the loan.
    • Approximately 10-25 years to repay, depending on amount owed and typed of repayment plan selected
    • Interest changes annually and also depends on status of loan (repayment, grace, etc).
    • Eligible for consolidation.

  • Direct Stafford Loans
    • Graduate students eligible, must be enrolled at least half-time
    • Financial need not required, awarded amount dependent on cost of education/program attending
    • If financial need demonstrated, the U.S. Department of Education will pay the interest that accrues on this loan during certain periods
    • Borrowed directly from the U.S. Department of Education at participating schools
    • Repayment is directly to the U.S. Department of Education. Approximately 10-30 years to repay, depending on amount owed and type or repayment plan selected
    • Interest changes annually and also depends on status of loan (repayment, grace, etc).
    • Eligible for consolidation.

Graduate PLUS Loans
  • Must be enrolled at least half-time in a graduate or professional program
  • Direct PLUS Loans are for graduate or professional students
  • May be available regardless of income
  • Able to borrow up to the cost of your education minus other estimated financial assistance in both the FFEL and Direct Loan Program(s).
  • Must apply to Federal Sub/Unsubsidized Stafford Loan Program.
  • Credit check required, must not have an adverse credit history
  • Repayment begins on the date of the last disbursement of the loan (no grace period)
  • Fixed interest rate of 8.5% in the FFEL program and 7.9% in the Direct Loan program
  • Eligible for consolidation

Repayment Options
Graduate School Loans offers three different repayment options: Level, Select 2/Graduated, and Select 5/Graduated.

Level: With the Level Repayment Plan, you will be making equal payments each month throughout the life of the loan. You'll pay less interest over the life of the loan.

Select 2/Graduated: With the Select 2/Graduated Repayment Plan, you'll be making interest-only payments for the first two years of the loan. This reduces the monthly payment for the first two years of the loan. Starting in year three, you will begin to make equal payments for the remainder of the loan term. You'll pay more interest than you would on the Level Repayment Plan.

Select 5/Graduated: With the Select5/Graduated Repayment Plan, you'll be making interest-only payments for the first two years of the loan. Starting in year three, the payments increase to include a portion of the principal. Starting in year six, you will begin to make equal payment for the remainder of the loan term. You'll pay more interest than you would on the Select 2/Graduated Repayment Plan.

*We also offer extended and income sensitive repayment plans. Contact us at 800-680-7195 for details.





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