Consolidating federal graduate student loans

If approved for this benefit, the lender will put the borrower's loans into forbearance, suspending their monthly loan payments.

Unpaid interest will continue to accrue and will be capitalized (added) onto the borrower's principal balance.

The average amount borrowers have saved by refinancing with this lender.

Unless indicated otherwise, values shown are over the lifetime of the loan.

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Borrowers typically have the option to make interest-only payments during this period in order to prevent accruing interest from increasing their balance.

Many parents take out "Parent PLUS" loans to pay for their children to attend college.

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.

Learn more A fixed-rate student loan guarantees a single interest rate that does not change over the lifetime of the loan.

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