College Loan Consolidation, Federal Loan Consolidation, Private Loan Consolidation, Student Loan Consolidation

America's Top Student Loan Provider




Depending on the total amount of your student loans, the repayment term can be 10 to 30 years.

Loan payment options for loan consolidation:

  • Equal Payments

    		•
    Equal monthly payments over the term of the loan.

  • Select 2/Graduated Payments

    		•
    You make interest-only payments first two years of repayment. Payments increase to level installments of principal and interest payments for the remaining term of the loan, in the third year.


  • Select 5/Graduated Payments

    		•
    You make interest-only payments first two years of repayment. In the third through fifth years, payments increase to include a portion of principal. In the sixth year, payments increase to level investments of principal and interest payments for the remaining term of the loan.


  • Income-Sensitive Payments

    		•
    Payments can also be adjusted annually based on your expected total monthly gross income from employment and all other sources. Once eligibility is determined by your servicer your new payment will also be calculated.


  • Extended Equal Payments1

    		•
    Allows up to a 25-year repayment term of Equal Payments.


  • Extended Select 2 Payments1

    		•
    Allows up to a 25-year repayment term with the Select 2/Graduated Payment plan.


  • Extended Select 5 Payments1

    		•
    Allows up to a 25-year repayment term with the Select 5/Graduated Payment plan.


    For any queries about the federal loan consolidation process, please email us or call (800) 821-5659. Our expert loan advisor will be able to guide you.


    1. All Extended Repayment Plans are for qualified borrowers with more than $30,000 in eligible loans. Applicants interested in any of the Extended Repayment Plans should contact our loan advisors to determine eligibility.


    How EdFed Helped others!
    I just ended my 4th conversation with ABC Lenders and their related loan-servicers. They gave me the serious run-around and now I'm even happier that I will no longer be consolidating with them. Thanks for the help on the first call and taking such great care of me.
    - Naomi R.  Washington, DC
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    CONSOLIDATION NEWS
    Schools Will No Longer Receive Paper FAFSA Forms
    (September 20, 2007)

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    EdFed offers several different extended, graduated, and income-sensitive repayment programs to suit all needs.
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    EdFed is a FFELP lender with lender identification number 834241.
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