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

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PLUS loans are available to two groups: parents of undergraduate students and graduate or professional students. The loan's maximum amount is variable and can be increased to cover up to 100 percent of the cost of attendance. It is a cost-effective alternative to using retirement accounts, income, savings, or home equity loans to fund your or your child's education.

Benefits of a PLUS Loan with EdFed :
  • Many borrowers prefer the PLUS Loan for its favorable repayment terms with low interest rates. You can borrow up to 100 percent of the cost of college at an 8.5-percent interest rate.
  • Applying for a PLUS loan is completely free.
  • While the student is enrolled, no payment is required.
  • If you have any economic difficulty, you can postpone repayment for up to three years.
  • The EdFed Second Chance program takes positive, proactive steps to work with borrowers who are initially denied a PLUS Loan. Through the Second Chance program, most borrowers are eventually found eligible to receive a loan.
  • Depending on what school the student attends, you may not be charged an origination fee.

Please contact our loan advisor if you have any queries on (800) 821-5659.

Attention North Dakota residents:
We are not able to pursue lending relationships with that state. We advise you to contact your current lender for student loan products and services.


How EdFed Helped others!
When I first contacted EdFed, I knew nothing about consolidation. All I knew is that there was a deadline. The customer service representatives at EdFed were able to explain everything to me in terms that I could understand. I owe a substantial amount of money in student loans, and I didn't even know who my lenders were. EdFed was able to compile this information for me, calculated my low fixed interest rate, and explain their money saving benefits. Other lenders weren't even accepting phone calls prior to the deadline! Thank you for taking the time to go over my consolidation with me.
- Maya T.  Dallas, TX
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CONSOLIDATION NEWS
Schools Will No Longer Receive Paper FAFSA Forms
(September 20, 2007)

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Until you receive your EdFed consolidation loan, it's important that you continue making your monthly payments to your original lenders while we process your application.
US School Directory
Comprehensive List of Schools at which EdFed Assists Students.
EdFed is a FFELP lender with lender identification number 834241.
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