Loan consolidation refinancing comes in two types. The first is regulated by the federal government and is referred to as Federal Loan Consolidation. Several lenders listed in our directory offer this program. The second type of consolidating is  private student loan consolidation. Full details about private consolidation loans are on our private loan consolidation page seen on your left.

Student Loan Headquarters - Consolidate Private and Federal student loans to in to a low fixed rate. Fill out one secure, no obligation form. No hassle lending. 100% Free service available to everyone as long as you have graduated, will with six months or have dropped below half-time student status.
-Interest rates usually less than 6%,
-No penalties for early payment

A brief overview of student loan consolidation rules.

You do not have to consolidate with the companies currently holding your loans. For instance, if you have a loan with company A and company B, you do not have to consolidate with the same company A and company B. Though companies A and B might be good companies, it is a common urban financial myth that you must consolidate with them..

Those who have loans from several lenders often consolidate their student loans with one of the student loan consolidation companies that specialize only in consolidating student loans. On this site we've complied a list of some trusted consolidation companies, lenders and resources that feature quality customer service with some of the lowest rates.