Helping You Move Forward

Student Loan Consolidation Program

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Keep Moving Forward

Earning your degree was a big achievement

But if you're like most graduates, the burden of student loans could be a major roadblock to your next goal. Maybe you want to buy a home, start a family or see the world.

Consolidating your student loans could be your solution.
This process groups all your student loans together (both Federal and private) and attaches a fixed, lower-rate and just one monthly payment, so you can:

  • Save money every month - potentially thousands over time
  • Eliminate payment shock with a low, fixed rate
  • Opportunity to pay off your loan faster or extend it for lower payments
  • Save time and hassle with the convenience of one easy payment

Fixed APR as low as 3.49%1

Low Rates

Lock in your low rate

Our fixed-rate Student Loan Consolidation Program lets you enjoy predictable payments without worrying about fluctuating rates. With flexible terms you can choose the one that's right for you.

We make consolidating easy and affordable

Our Student Loan Consolidation Program is a smart way to consolidate and refinance your Federal and/or private student loans.

  • Competitive fixed rates and flexible terms available
  • No application or prepayment fee
  • 0.25% discount with automatic payments from your Affinity checking account1
  • Loans from $7,500 for qualifying borrowers2
who should consolidate

Who can refinance?

Our Student Loan Consolidation Program could be a great option if you:

  • Are currently paying back student loans and want a better rate or term
  • Have had a full-time job for the past six months

If you're considering refinancing Federal student loans, be sure that you're comfortable giving up the protections that Federal loans offer (such as income-driven repayment plans, deferments or forbearance, and loan forgiveness programs).

Common Questions and Answers to Get Started

How much could you save?

See for yourself with our Student Loan Refinance Calculators3

Get started right now

To see if you qualify, simply complete our quick online application. Or, stop by one of our branches or call 800.325.0808.

Have questions? Request a call back

Low Rates

Looking for in-school repayment options plus a choice of competitive rates?

Check out the Smart Option Student Loan for Affinity by Sallie Mae®.