Jeff Mictabor asked:

As high school seniors diligently work their way through their first Free Application for Federal Student Aid (FAFSA), parents should be monitoring where their children are in the college funding process so they can help plan accordingly.

NextStudent, the Phoenix-based premier education funding company, offers a wide array of online financial planning tools to help students and their families wade through the waters of college financial planning.

Financial Aid Calendar

The first step in the process is to be aware of what is expected of you as a student and as a parent. Even though it’s April, check the Financial Aid Calendar (http://www.nextstudent.com/financial_aid_advisor/financial_aid_calendar/financial_aid_calendar.asp) to double check where you are in the process and keep on track. This also is the perfect time for high school seniors to get a jump-start on next year and see what will be expected of them as college-bound seniors.

Search for Free Money

The college funding cycle begins with the search for scholarships, or “Free Money.” Local and national scholarships are an important avenue to explore because they can help cut the costs of financial aid that has to be repaid. NextStudent’s FREE Scholarship Search Directory (http://www.nextstudent.com/directory-of-scholarships/) has a total of 2.4 million scholarships from 42,000 funding sources with total awards of $3.4 billion.

Financial Aid Guided Tour

For another in-depth look on what to expect when applying for financial aid from a NextStudent Financial Aid Advisor, take NextStudent’s “Financial Aid Advisor: The Guided Tour (http://www.nextstudent.com/financial_aid_tutorial/financial_aid_tutorial.asp)”.

Financial Aid Frequently Asked Questions

If students and parents have specific questions regarding financial aid and their best options, find the answers in NextStudent’s Financial Aid Frequently Asked Questions (http://www.nextstudent.com/tools_and_resources/faq.asp).

Budget Calculator

As high school seniors all across the country begin receiving their acceptance letters and have completed their FAFSA forms, they will begin to receive “Award Letters” from each of the schools to which they have been accepted. These letters will explain the type of aid and amounts for which they qualify.

At this time, students and their parents should begin work on or revisit their college-budget and just how much they will be responsible to pay in the coming year. NextStudent’s FREE College Budget Calculator (http://www.nextstudent.com/tools_and_resources/calculators/college_budget.asp) can assist in refining the college budget and establishing how much additional money students will need.

Both Stafford student loans and Parent PLUS Loans for Undergraduate Students (PLUS) are available through NextStudent. Because individualized service is a top priority at NextStudent, every customer is personally assigned an Education Finance Advisor to guide students through the student loan process from start to finish. If students and parents find that there is a gap in their education funding, NextStudent also offers private student loans with borrowing limits of up to $40,000 annually.

NextStudent believes that getting an education is the best investment you can make, and it is dedicated to helping you pursue your education dreams by making college funding simple. Learn more about Student Loans, Private Student Loans, and Student Loan Consolidation at NextStudent.com.

Jeff Mictabor asked:

NextStudent, the leading Phoenix-based education funding company, suggests that every student’s search for college funding should begin with the search for “Free Money,” better known as scholarships. With the costs of higher education yearly on the rise, obtaining money that need not be repaid is an essential tip for all college and college-bound students. NextStudent can help students become their own college funding resource by helping to locate scholarships for school.

There is a lot of “Free Money” out there to uncover and access, and all students have to do is know where to look. The first step for students should be NextStudent’s free, online Scholarship Search Directory. The Scholarship Search Directory houses over 2.4 million scholarships valued at more than $3.4 billion from 42,000 sources.

Easy-to-Use Directory

NextStudent’s Scholarship Search Directory is easy to use and, chances are, if students really dig in, they will find scholarships that best suit their needs. First students can start by searching for the college they will attend in the fall, as well as the year of attendance. To do this, students can click on the “College(s)” and “Year of Study” links, respectively. Next, students can look for scholarships open to students in their state by clicking “State of residency.” Students also can check to see if their parents’ employers are in the directory by clicking on “Corporate Employer(s).” Third, students can check out scholarships by “Academic Major” and, lastly, they can explore any remaining categories that apply to any specific skills they may have. For example there are category listings for: “Athletic Skill(s)” or “Artistic Skill(s),” “Honor(s),” “Ethnic Background(s)” or “Racial Background(s),” “Military or Veteran Affiliation(s),” “Religious Affiliation(s)” and “Other Affiliation(s).”

Specific Needs Scholarships

The directory also includes scholarships for students who have specific needs such as “Impairments,” which include chronic medical conditions and other ailments. Students also can check the category called “Unique Situation,” which includes awards to former students of a particular county school, awards for exchange students, or those with part-time or full-time jobs. There also are unique awards for students who are Amateur Radio (Ham) Operators or for those who have been home-schooled.

There are a host of opportunities for FREE money regardless of a student’s background or financial situation, and many of those opportunities can be found through NextStudent’s Scholarship Search Directory. The more “Free Money” students can find means the less money they have to obtain through student loans.

NextStudent believes that getting an education is the best investment you can make, and it is dedicated to helping you pursue your education dreams by making college funding simple. Learn more about scholarships, student loans , private student loans

Jeff Mictabor asked:

Figuring out how to pay for college can put a lot of stress on a family budget. And for those students who can’t rely on financial support from mom and dad, the pressure can be even greater.

But by rethinking your college experience and breaking it down into two different phases—the first two years at community college and the second two at the four-year university of your choice—you could potentially save yourself thousands of dollars, says NextStudent, a leading Phoenix-based education funding company.

Phase One: Get Your Basics out of the Way at a Community College

Sometimes it’s hard to detach yourself from the education you want versus the one you can reasonably afford. Student loans might cover any amount of tuition now, but will you be able to handle your student loan payments once you graduate?

By spending your first two years of school at your local community college, you could save yourself years’ worth of student loan debt. Find out which courses have credits that would be transferable to the four-year school you’d like your diploma from. You can usually take classes at a community college that satisfy all or most of your core requirements and generally pay less per class than at a public or private four-year institution. At a lower cost-per-class, you have greater freedom to experiment with fields of study and try out classes you might not otherwise have been able to afford. The more you see what’s out there, the more likely you are to hone in on the field or profession that truly suits you.

Phase Two: Finish Strong at the University of Your Choice

Once you’ve found your niche, you can move on to a four-year university and take the upper-division courses that apply directly to your major.

By this point you’ll typically be more focused and should be able to get through your classes without the indecision and course-dropping that can plague you during your first two years of college.

By finishing up the second half of your college career at a four-year institution, you’ll graduate with your diploma from that four-year school, just like your classmates, but you’ll likely have paid much less than those students who paid for all four years there.

If you can graduate with less student loan debt, you’ll be starting off on more solid financial ground when you hit the workforce after graduation.

No Matter Where You Start or Finish, NextStudent Can Help Finance Your Education

Whether you begin your college years at a community college or at a four-year institution, NextStudent has a variety of student loans available to you that can help you pay for school. Federal student loans and parent loans offer low, fixed interest rates, and there’s no fee to apply. If you still have education-related costs to cover, even after you’ve used all your federal financial aid options, private student loans may be the answer you’re looking for.

NextStudent believes that getting an education is the best investment you can make, and we’re dedicated to helping you pursue your education dreams by making college funding simple. Learn more about Student Loans, Private Student Loans and Student Loan Consolidation< at NextStudent.com.

Jeff Mictabor asked:

If the cost of college and graduate school seems to be rising as quickly as summer temperatures, it may be time to look into the funding sources that could help you finance your postsecondary education. To help families sort through the financial aid maze, NextStudent, a leading Phoenix-based education funding company, offers students and parents this quick guide to the types of financial aid options that are out there.

It starts with financial need.

Financial aid can be classified into two main categories: need-based and non–need-based. Need-based aid is awarded on the basis of financial need, a federal determination of a student’s financial situation, using the financial information you provide each year on the FAFSA (Free Application for Federal Student Aid). Non–need-based aid is awarded without consideration given to a student’s financial situation. If you meet program eligibility requirements, you can qualify for non–need-based aid, regardless of your or your parents’ assets or income.

There is such a thing as free money.

Scholarships and grants are a great way to help finance your college education because they provide money for school that you won’t have to pay back—it’s basically free money. Scholarships and grants can be either need-based or non–need-based.

Federal Pell Grants are an example of need-based grants. Non–need-based scholarships and grants include merit-based awards. Some merit-based scholarships may be awarded automatically with your admission; others require you to complete an application process and compete against other applicants.

There are millions of dollars in college scholarships available every year. You can start looking by raiding the NextStudent Scholarship Search Engine, a database of over 5.9 million scholarships worth over $16 billion.

Federal student loans offer low-cost financial help.

After grants and scholarships, federal student loans provide students and parents with a smart, economical financing option. Federal Stafford Loans for undergraduate and graduate students, Grad PLUS loans for graduate students, and PLUS loans for parents all feature low, fixed interest rates, flexible repayment options, no prepayment penalties and no application fees. Stafford loans don’t require a credit check or a co-signer. PLUS and Grad PLUS loans allow the borrower to take out up to 100% of the cost of attendance, less other financial aid received.

These federal student loans are also all eligible for student loan consolidation. By consolidating your federal student loans, you could cut your monthly student loan payments almost in half. A Federal Student Loan Consolidation could also give you up to 20 more years to repay, with the added convenience of replacing multiple student loans and monthly bills with one easy-to-manage loan and a single monthly payment.

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NextStudent Private Student Loans can cover what other financial aid doesn’t.

NextStudent’s Private Student Loans are unsecured, credit-based student loans. These private student loans are non–need-based, so as long as you meet the eligibility requirements, you won’t be disqualified for you or your parents making too much money.

A Private Student Loan can cover the difference between your cost of attendance (which includes education-related expenses like textbooks and an allowance for transportation to and from school) and the amount of other financial aid you received.

NextStudent Private Student Loans are available not only to undergraduate and graduate students, but also to continuing education students and the parents of K–12 students.

Keep in mind that federal student loans usually have more attractive terms than private student loans, so you should always look into your federal financing options first.

NextStudent believes that getting an education is the best investment you can make, and we are dedicated to helping you pursue your education dreams by making college funding simple. Learn more about Student Loans, Private Student Loans and Student Loan Consolidation at NextStudent.com.

Jeff Mictabor asked:


Hopefully by now your child has decided which college to attend this fall, and you are beginning to formulate your financial strategy for how you will fund the college experience. An excellent option is the PLUS Loan or Parent Loans for Undergraduate Students, recommended by NextStudent, a leading Phoenix-based education funding company.

As long as your child is enrolled in school at least half-time, this federally backed student loan allows parents to borrow funds to cover such things as tuition, housing and meals and even books and supplies, up to the total cost of the student’s education, minus any other aid.

In order to be eligible for the PLUS Loan, both students and their parents must complete the Free Application for Federal Student Aid (FAFSA). According to NextStudent, parents cannot be turned down for the PLUS Loan based on too high or too low an income, because the student loan is not based on financial need or how much money parents earn. However, parents can be turned down for an adverse credit history. Once the FAFSA is submitted and reviewed by the government, parents will receive a Student Aid Report, which will allow them to apply for the PLUS loan. Applying for a NextStudent PLUS Loan is simple and easy and may be done either over the phone in as few as five minutes, or it may be done online using E-Signature.

Availability after Tuition is Paid Makes PLUS Loans Convenient

A welcome feature of the PLUS Loan is that it is available even when parents already have paid for their child’s tuition and other related educational expenses. Although the maximum interest rate on the PLUS Loan is set by the federal government, NextStudent offers many opportunities for parents to save money through incentives.

For instance, when borrowers fund their PLUS Loan through NextStudent and pay via auto-debit, they will receive a .25 percent reduction on their interest rate. In addition, after making 12 consecutive on-time payments, borrowers will receive a 3 percent cash rebate on their remaining principal balance, and a 2 percent rate reduction after 48 consecutive on-time payments.

Grad PLUS Loans Offered by NextStudent

A similar federal student loan product called the Grad PLUS Loan is available for those individuals who decide to pursue graduate or further professional studies and enables students to fund their education themselves. Again, students may finance the entire cost of their graduate work (minus federal aid) and use the funds to pay for any associated costs such as supplies, books and other materials. While the Grad PLUS Loan Program’s maximum interest rates are set by the federal government, just like with the PLUS loan Program, NextStudent offers many money-saving competitive benefits for those pursuing postsecondary education. An additional incentive is that students have the option of postponing repayment until after graduation. Additionally, like PLUS Loan borrowers Grad PLUS borrowers may be eligible for a federal student loan consolidation.

NextStudent believes that getting an education is the best investment you can make, and it is dedicated to helping you pursue your education dreams by making college funding simple. Learn more about Student Loans, Private Student Loans, and Student Loan Consolidation.

Jeff Mictabor asked:


Due to recent increases in college tuition, the rising costs of textbooks and other general expenses, accurately planning how much money is needed for the school year can prove to be a challenge. The second semester or term is usually the time of year when many college students and their parents review the remaining funds available for the current school year.

According to NextStudent, the Phoenix-based premier education funding company, oftentimes, if expenses are greater than original projections borrowers can meet the shortfall with a private student loan.

Qualifying For Private Student Loans Is Simple

Whether a student needs more funds right away, wants money for summer school, or if the student is involved in a distance learning program or enrolled in a private or state institution, NextStudent can help.

Since there is no application deadline as with federal student loans, no fees are involved, the funds are unsecured, and many times may not require a co-signer, there are many benefits of retaining a private student loan from NextStudent. Another advantage is that students receive their student loan directly. This allows borrowers to retain control of their money and avoid the long wait times often associated with channeling the funds through the institution.

To be eligible for private student loans, borrowers may be either an undergraduate or graduate student enrolled at least half-time in a TERI-approved program, pursuing a degree or certificate-based coursework. Students may borrow the cost of their annual attendance or up to $40,000, whichever is less.

It is easy for borrowers to apply for NextStudent private student loans, either online at www.nextstudent.com or by calling 877.690.9879. Approvals can be generated in as few as 15 minutes with a personally-assigned Education Finance Advisor.

Generous Repayment Terms For Private Student Loans

Students are not required to start repaying their private student loans unless they become enrolled less than half-time or until six months after graduation. Borrowers can start paying with as little as $25, have many repayment options, up to 20 years to repay and may qualify for tax-deductible interest payments. Those with accumulated total student loan balances that exceed $40,000 may opt to extend the repayment term to 25 years.

In order to optimize their college educational experience, many students are taking advantage of NextStudent’s private student loans. These funds often stand in the gap, enabling borrowers to achieve their dreams of a higher education and cover where federal student loans leave off.

NextStudent believes that getting an education is the best investment you can make, and it is dedicated to helping you pursue your education dreams by making college funding as easy as possible. Learn more about Student loans at NextStudent.com.

Boris Tomson asked:


What the Flip? - What Students & College Kids Are Doing!

In addition, from now until July 1, 2006 college students have the option of in-school consolidation, at lenders’ discretion, thanks to the U.S. Department of Education, which currently is allowing for the process. In-school consolidation no longer will be available after July 1, so now it is important for current students to take action.Visit to Apply Today http://available-grant-money.blogspot.com

NextStudent, the Phoenix-based premier education funding company, is a lender specializing in all types of consolidation. Through the company student loan borrowers can receive great low rates and aggressive benefits and discounts along with unrivaled customer service. The long-established company has a reputation for putting borrowers’ needs first.

Rates Increasing July 1, 2006

The impending federal interest rate increase on July 1 is the second-largest rate hike in the history of the student loan program, with rates increasing 1.84 percentage points. So if ever there was a time to consolidate, now is that time.

Some of the expected increased rates include: a new fixed 6.8 percent rate for Stafford loans disbursed on or after July 1, 2006, and a new fixed 8.5 percent rate for PLUS loans disbursed on or after July 1, 2006.

NextStudent’s Low Rates

NextStudent’s offerings include a fixed rate most often available at 4.7 percent for in-school consolidation. In some cases the rate can be as low as 2.5 percent! Students should take note that after July 1, the in-school fixed rate could be as high as 7.25 percent! There also is a 2.5 percent interest rate for qualified borrowers when benefits are applied. Benefits include:

What the Flip? - What Students & College Kids Are Doing! Visit to Apply Today http://available-grant-money.blogspot.com

Jeff Mictabor asked:


Getting your financial house in order means different things to students and their parents, depending on what year a student is in college. Regardless, springtime presents the perfect opportunity to review the past year’s financial strategy and plan for the future, whether you are a freshman or a graduating senior.

Returning students may take this time to access the actual costs of school as compared to what they originally projected and re-calculate their budget for the upcoming school year. This way they are in a better position to more accurately estimate the following year’s expenses and the funding options to make their next year optimal. Graduates are in an entirely different category, preparing to leave behind their academic successes and move forward into the everyday work world.

NextStudent Provides Tools

Wherever students are in their academic career, NextStudent, the Phoenix-based premier education funding company, has all the tools necessary to help them get their college student loan debt and finances in order. Since needs vary, NextStudent, a Federal Family Education Loan Program provider, funds Stafford student loans, PLUS loans, Student Loan Consolidation and Private student loans.

When working with NextStudent, borrowers are assigned their own personal Education Finance Advisor, who will walk them through the college funding process from start to finish. This personalized attention and outstanding customer service is just one component of the excellence that can be expected when working with a company of NextStudent’s character and caliber.

Strategy Begins with Scholarship Search

A good place to start once a continuing student has updated the cost estimates for attending college for the prior year is to review the FREE money options or scholarships that are available. NextStudent has an impressive free online Scholarship Search Engine and comprehensive database that allows students to apply for 2.4 million scholarships valued at over $3.4 billion from more than 42,000 college funding sources.

Currently, in its efforts to promote the search for “Free Money” for college students through its Scholarship Search Engine, NextStudent is having a “Rock My Grad Party” contest for local Phoenix high schools and students. A total of $5,000 goes to the winning school toward funding its 2007 Senior Class Party, and one lucky student will be awarded a laptop computer that can be used at college next year! All school administrators, including teachers and counselors as well as students, will be able to take advantage of the many scholarship opportunities available through NextStudent’s Scholarship Search Engine tools. For more information on the “Rock My Grad Party” promotion and how you can get involved, e-mail Amy Bookbinder at abookbinder@nextstudent.com.

All Qualify for Stafford Student Loans

Once a student has exhausted the “Free Money” resources, it is time to start putting together funding options for school, starting with Federal Stafford Student Loans. NextStudent offers both need-based subsidized Stafford Student Loans as well as unsubsidized Stafford Student loans. Since the government mandates that the student loan rates do not exceed 8.25 percent, this funding option is an inexpensive one for a student’s student loan portfolio. Rates currently are at 6.8 percent, and students qualify regardless of need.

When students choose to fund a Stafford Student loan through NextStudent, they are making a wise, financially sound decision since there are many money-saving benefits. Students literally can save thousands of dollars with such benefits as: zero origination fees, a 3 percent cash rebate on the remaining principal balance after making 30 consecutive on-time payments using auto-debit, and an interest rate reduction of .375 percent when borrowers use auto-debit for repayment.

PLUS Loans’ Crucial Component

A smart and easy way for parents and graduate students to fund college is to look to Parent Loans for Undergraduate Students and Graduate PLUS loans. Most people qualify for these student loans since the student loans are not based on income or need. These funds may be used to cover 100 percent of such college costs as tuition and a new computer, books and other necessities, less any financial aid received. NextStudent PLUS and Graduate PLUS Loans include generous terms and savings incentives.

Private Student Loans Fill Critical Gap

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Once all federal financial aid is maximized, which can come a lot quicker than most people think, it is time to check out NextStudent’s Private Student Loans. Oftentimes, original estimates of college costs are significantly lower than the actual costs. This is where private student loans fill that gap, to the tune of the lesser of $40,000 per year or the cost of attendance (less any financial aid received). Since funds are disbursed directly to the borrower, students and their parents retain control of their funds. Students must be enrolled in school at least half time and may not require a co-signer. Funds also are available for study abroad and distance learning programs.

Student Loan Consolidation: Key to Savings

Once students have used funds to cover costs and completed their education, it is time to take action to save money. College seniors who consolidate their student loans can end up saving thousands and slashing their student loan payments by up to 60 percent, putting them into a sound financial position as they enter the “real world.” Students must have at least two federal student loans having a minimal student loan balance totaling $10,500 and may qualify for the NextStudent student loan consolidation program over the phone in as little as five minutes. One particularly aggressive benefit that saves students thousands is the “Standard Locked” package where borrowers receive a 1 percent LOCKED rate reduction after 36 consecutive on-time payments.

NextStudent believes that getting an education is the best investment you can make, and it is dedicated to helping you pursue your education dreams by making college funding simple. Learn more about federal student loans, private student loans, and? student loan consolidation at NextStudent.com.

Jeff Mictabor asked:


College students all over the United States probably have just gotten into the swing of summer, whether that means finally perfecting their golf swing, getting that deep tan, or acing the most recent quiz in summer school. In the midst of these activities and especially at this time of year, it is important to regroup and begin planning financially for the new school year, according to NextStudent, a leading Phoenix-based education funding company.

NextStudent EFAs Help Students Understand Awards

The best place to start is to review all the correspondence students have received, especially their award letters. This is the document that lists such important information as the actual cost to attend school (includes tuition, fees, room and board), available need-based federal aid such as subsidized Stafford Student Loans, non-need-based aid such as unsubsidized Stafford Student Loans and Parent Loans for Undergraduate Students (PLUS Loans), and the remaining out-of-pocket funds required.

Unfortunately, many times the award letters from colleges are somewhat difficult to understand, which may lead to confusion when students attempt to put together a strategic plan for funding their college dream. However, when students or their parents contact NextStudent, they will receive personal attention from their Education Finance Advisor. EFAs help students understand the types and amounts of fnancial aid for which they qualify, answer any questions, and then work with students to develop a strategy that best fits students’ needs.

Students Qualify for a Variety of Federal Funds

Students and their parents have an array of federal financial aid options to consider, depending on the type of aid for which they qualify. Some students may qualify for need-based subsidized Stafford Student Loans, whereby the government covers any interest on the student loan while a student is in school, the grace period following graduation, and any period of deferment. Other students may qualify for a non-need-based unsubsidized Stafford Student Loan, where interest is charged to the borrower during this same time period.

Another common type of federal aid is Federal Parent Loans for Undergraduate Students, known as PLUS Loans. These credit-based options allow parents to borrow funds to cover the education costs of their dependent children who attend college at least half-time as undergraduate students. Parents may borrow up to the cost of attendance, minus any other financial aid.

Frequently, parents find that they pay more for their child’s education than they anticipated. NextStudent offers Private Student Loans to supplement federal student loan sources. Many parents prefer these unsecured credit-based student loans to borrowing against the equity in their homes or other options to cover the remaining out-of-pocket college costs. NextStudent offers generous borrowing limits, quick preapproval, deferred principal and interest on most student loans, and no prepayment penalties. Funds may be used for study abroad and distance-learning programs in addition to traditional schooling.

Financial Aid Myths Dispelled

One fairly common misconception is the belief that a student does not qualify for ANY federal aid. In fact, even a student who does not qualify for any SUBSIDIZED federal aid will almost certainly qualify for an UNSUBSIDIZED student loan. NextStudent Education Finance Advisors are equipped to help students and their parents understand just these types of issues so that they can put together a plan that best fits the needs of the borrower.

NextStudent believes that getting an education is the best investment you can make, and it is dedicated to helping you pursue your education dreams by making college funding simple. Learn more about Student Loans, Private Student Loans and Student Loan Consolidation at NextStudent.com.

Jeff Mictabor asked:


If you’re a graduate or college parent with any outstanding federal student loans, you may be able to lower your monthly student loan payments by up to 42% just by consolidating your parent or student loans. When you consolidate your college loans, you may be able to extend the repayment term on your parent or student loans by up to 20 years. With that longer repayment term, since you have more time to repay, the amount you have to pay each month will typically go down.

NextStudent, a leading Phoenix-based education funding company, offers a student loan consolidation program with no application fees, no processing fees, and no credit checks. By consolidating your parent or student loans, your monthly payments could go down by up to 42%.

Here’s an example: Estimated monthly payments on a $75,000 NextStudent Federal Consolidation Loan fixed at 7.25% and repaid over an extended term of 30 years are $512, versus estimated monthly payments of $879 on a $75,000 Federal Stafford Loan issued at 7.22% and repaid over 10 years — a 41.8% reduction in monthly payment amount. (Your actual payment reduction may vary and will depend on the terms of the student loans you’re consolidating.)

Replace Your Variable-Rate Student Loans With One Fixed-Rate Student Loan Consolidation

If you took out your Federal PLUS Loans or Stafford Loans prior to July 1, 2006, those student loans are subject to variable interest rates that will adjust every year. So when interest rates rise, your monthly student loan payments may also go up. Student loan consolidation puts an end to rate increases and rising payments.

NextStudent’s student loan consolidation program gives you the security of a fixed interest rate. By consolidating your federal college loans with NextStudent, you’ll replace your variable-rate college loans with a fixed-rate student loan consolidation loan and lock in your new monthly payments, so you’ll never have to worry about interest rates rising and leaving you guessing about your monthly payment amount.

Make Repaying Your Student Loans Convenient and Hassle-Free with Student Loan Consolidation

If you have multiple college loans in repayment and you’re dealing with the hassle of multiple bills, multiple due dates, and multiple monthly payments to multiple lenders, a student loan consolidation could help make your repayment easier to manage.

With a student loan consolidation program, you can bundle all your eligible federal parent or student loans into one single consolidation loan with just one monthly bill, one lender, and one monthly payment that’s fixed for the life of your student loan consolidation.

Apply in Minutes to Consolidate Your Student Loans

Typically, you can apply for a student loan consolidation in minutes. Just visit an online student loan consolidation lender or make a quick phone call to the lender of your choice. It’s fast, easy, and free to apply, and there are NO fees, NO credit checks, and NO co-signers required.

There are also no prepayment penalties. When you consolidate your federal parent or student loans with NextStudent, you’ll never be charged extra for paying more than the minimum each month or for paying off your student loan consolidation early.

Student Loan Consolidation for Private Student Loans

If you have private student loans in addition to (or instead of) your federal student loans, you won’t be able to consolidate your private student loans under the federal student loan consolidation program. But you may be eligible to consolidate your private loans separately with a Private Consolidation Loan, which offers the same convenience of a single consolidated loan for your private student loans.

NextStudent believes that getting an education is the best investment you can make, and we’re dedicated to helping you pursue your education dreams by making college funding simple. Learn more about Student Loans, Private Student Loans and Student Loan Consolidation at NextStudent.com.