Student Loan Consolidation

Please be aware that due to current conditions in the student loan market in particular and in the financial sector in general, NextStudent is not currently able to accept any new PLUS, Grad PLUS, Stafford, or Federal Consolidation Loan applications. However, you may be able to apply for these federal student loans from one of our trusted partners. Click here for more information.

Consolidate your student loans, and you could cut your student loan payments in half.

Attention, federal student loan borrowers! Right now, NextStudent can help you substantially lower your monthly student loan payments and put loads of extra cash in your pocket with the Federal Student Loan Consolidation Program.» Learn more.

• Lock in low monthly payments with a fixed interest rate
• Bundle all your federal student loans into one easy-to-manage loan with one monthly payment
• No application fees, origination fees or prepayment penalties
• Easy, online application with Electronic Signature

Do the math.

Federal student loan rates are low right now, but consolidating your student loans with NextStudent could help you lower your student loan payments even more.

And when you consolidate your student loans, you could get more time—up to 20 more years—to repay.

How much can you save? Use our consolidation loan calculator to find out.

What are you waiting for? Apply now!

No-hassle application.

Anyone with an eligible federal student loan or federal parent loan can consolidate with the NextStudent Federal Consolidation Program. There are no credit checks, you don’t need a co-signer, and you don't need to know the details of your current student loan portfolio. Just complete the simple four-step online application with Electronic Signature, and you could be on your way to lower payments each month.

Find out more about your student loan consolidation options, or just start a student loan consolidation application to find out how much you can save!

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Federal Student Loan Holders

Whether you have one or multiple federal education loans, with the Federal Consolidation Loanprogram, you could significantly lower your monthly payments and get up to 30 years to repay your parent or student loans. Apply Online... now with Electronic Signature!

All Student Loan Borrowers

If you’ve already consolidated your federal student loans but still have private student loans you want to consolidate, you’re in luck. With the new NextStudent Private Consolidation Loan, you can consolidate all your eligible private student loans at record-low rates that could save you money.» Learn more...

How much can student loan consolidation help you? Use our consolidation loan calculators to find out.

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Looking for debt consolidation?

Debt settlement offers a no-loan alternative to debt consolidation programs. If you’re struggling to meet monthly payments on your credit card debt or on other debts besides your student loans, a debt settlement program could offer you the debt relief you’re looking for.

A debt settlement program can give you affordable monthly program payments and could help you settle your credit cards, medical bills, and other eligible debts within 12 to 36 months for up to 50 percent less than what you owe.*

Settle all your eligible unsecured debts:

• Credit cards
• Department store cards
• Medical bills
• Collections and repossessions

(Please note that student loans and student consolidation loans aren’t eligible for debt settlement.)

* Debt settlement services offered through Think Debt Relief, a division of National Debt Relief LLC. Actual results will vary based on individual situations and creditors. Success in the Think Debt Relief debt settlement program is highly dependent on your ability to save a specified amount consistently each month. Settlement negotiations are provided by a partner of Think Debt Relief and not by agents of Think Debt Relief. Settlement percentages and timelines are based on results achieved by this partner and may not include customers who fail to complete the debt settlement program or be typical in all situations. Settlement percentages may be based on debt amount at the time of settlement rather than at the time of enrollment in the program. The Think Debt Relief debt settlement program doesn’t assume or pay your debts, repair your credit score, or provide tax, legal, or credit repair advice. Enrollment in the Think Debt Relief debt settlement program doesn’t guarantee that your creditors will agree to any offers to settle your debt obligations for less than the amount owed. Think Debt Relief’s debt settlement services aren’t available in all states. Please make sure you review and understand all program materials before you enroll.

"Thank you so much for your amazingly fast, efficient and courteous service. I have never received such quality customer service over the phone in my life and I will surely be telling others about NextStudent.com." - Kevin J. Nah Satisfied Customer

Private Student Loan Consolidation From NextStudent

Please be aware that due to current conditions in the student loan market in particular and in the financial sector in general, NextStudent is not currently able to accept any new applications for our private consolidation loans.

Now you can consolidate your eligible private education loans with the new NextStudent Private Consolidation Loan. Our Private Consolidation Loan allows you to consolidate the private student loans you can’t include in a Federal Consolidation Loan.

Refinance at today’s low rates

Consolidation isn’t just for federal student loan borrowers anymore. At NextStudent, you can consolidate all your eligible private student loans into one easy-to-pay loan at first-year introductory rates.

Take longer. Pay less. Start now.

We’ll give you up to 30 years to repay your NextStudent Private Student Consolidation Loan. That means dramatically lower payments for you.

What are you waiting for? Apply online today

Take advantage of exclusive NextStudent benefits.

• Low introductory rates
• One lower monthly payment
• No prepayment penalties
• No collateral required
• Fast, simple application that lets you get started today
  
  

Or call us toll-free at (877) 680-9879 to apply.

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Private Loans

Make repayment easier to manage by bundling all your eligible private education loans into a single new loan at record-low rates that can lower your monthly payments and put more money in your pocket.

NextStudent Private Consolidation Loan Benefits

• Low introductory rates
• Dramatically reduced monthly payments
• One convenient, single payment for all your private student loan debt
• Quick loan approval
• No prepayment penalties
• No collateral required

Or call us toll-free at (877) 680-9879 to apply.

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Looking for debt consolidation?

Settle your debts instead, and you could see up to 50 percent of your credit card debt negotiated away.* Debt settlement offers a no-loan debt relief alternative to debt consolidation. With affordable monthly program payments customized for your budget and settlement options ranging from 12 to 36 months, a debt settlement program could help you finally get out of debt, settling your credit cards and other eligible debts for a fraction of what you owe:

• Credit card debt
• Department store cards
• Medical bills
• Collections
• Repossessions
• Unsecured personal loans

(Please note that student loans — federal college loans, private student loans, and federal and private consolidation loans — aren’t eligible for debt settlement.)

* Debt settlement services offered through Think Debt Relief, a division of National Debt Relief LLC. Actual results will vary based on individual situations and creditors. Success in the Think Debt Relief debt settlement program is highly dependent on your ability to save a specified amount consistently each month. Settlement negotiations are provided by a partner of Think Debt Relief and not by agents of Think Debt Relief. Settlement percentages and timelines are based on results achieved by this partner and may not include customers who fail to complete the debt settlement program or be typical in all situations. Settlement percentages may be based on debt amount at the time of settlement rather than at the time of enrollment in the program. The Think Debt Relief debt settlement program doesn’t assume or pay your debts, repair your credit score, or provide tax, legal, or credit repair advice. Enrollment in the Think Debt Relief debt settlement program doesn’t guarantee that your creditors will agree to any offers to settle your debt obligations for less than the amount owed. Think Debt Relief’s debt settlement services aren’t available in all states. Please make sure you review and understand all program materials before you enroll.

NextStudent Graduate PLUS Student Loans *

Please be aware that due to current conditions in the student loan market in particular and in the financial sector in general, NextStudent is not currently able to accept any new PLUS, Grad PLUS, Stafford, or Federal Consolidation Loan applications. However, you may be able to apply for these federal student loans from one of our trusted partners. Click here for more information.

Cover up to 100% of your graduate school expenses.

Get through graduate school with a NextStudent Federal Grad PLUS Loan. Paying for your graduate school education is now within your reach. With a Grad PLUS student loan from NextStudent, you can get the money you need to pay up to the full cost of a graduate or professional degree. Besides tuition, Grad PLUS student loans can pay for all your educational expenses, like books and program fees and even a transportation and living allowance.

Lock in your graduate student loan payments.

With a fixed 8.5 percent interest rate on your Federal Grad PLUS Loan, you’ll never have to worry about your interest rate going up or your student loan payments changing from month to month. And as long as you’re enrolled at least half time, you won’t ever have to make any payments while you’re still in school.

» Apply Online today!

Your NextStudent Grad PLUS loan comes loaded with borrower benefits:

• No application fees and no prepayment penalties: There’s no cost to apply for your Grad PLUS student loan, and you won’t ever be charged for paying off your Grad PLUS loan early.
• No payments due while you’re in school: Repayment on your Grad PLUS loan is deferred as long as you’re enrolled at least half time, so you can focus on your classes instead of on making your monthly student loan payment.

• Generous borrowing limits: Get money for more than just tuition. Borrow up to 100 percent of the cost of your education—that means books, supplies and even a computer!
• Fast online application process with e-signature: Apply online and you could have a preliminary approval in as little as 15 minutes.
• NextStudent’s PLUS Credit Resolution Team: 87% of our Grad PLUS and PLUS loan applicants have been approved. Even if you don’t get a preliminary approval right away, NextStudent offers a “second look” that could help you get past unresolved credit issues and approved for your Grad PLUS loan.
• Repayment Flexibility: Grad PLUS student loans come with various repayment options that could help make your student loan repayment more affordable. And
  Grad PLUS loans are eligible for student loan consolidation, so you could get up to 20 more years to repay.

If you need money for graduate school, a Grad PLUS student loan is the ideal choice. What are you waiting for?

» Apply Online today!

PLUS Loans *

Please be aware that due to current conditions in the student loan market in particular and in the financial sector in general, NextStudent is not currently able to accept any new PLUS, Grad PLUS, Stafford, or Federal Consolidation Loan applications. However, you may be able to apply for these federal student loans from one of our trusted partners. Click here for more information.

Parent Loans for Undergraduate Students -
Help your kids with up to 100% of their college costs*

Get the best deals with NextStudent Loans.

Cover up to 100% of your children’s college expenses with a low-interest, fixed-rate Federal PLUS Loan from NextStudent. You can help your children pay not just for tuition and room and board, but for other school-related expenses, like books and fees. PLUS loans aren’t based on financial need or income, so you can’t be turned down for making too little or too much money. Even Bill Gates could get a PLUS loan!

Get the loan that financial experts recommend.

Financial experts agree: Federally guaranteed PLUS loans are a smart financial strategy for parents of undergraduate students—they can help families meet college costs at below-market rates and generous terms. Federal PLUS Loans give eligible parents another option for college financing that serves as an alternative to dipping into the family savings or borrowing against a home.

• Fixed, low interest rate of 8.5%
• Loan amounts that cover up to 100% of the cost of your child’s college education
• Available throughout the school year—even if you’ve already paid tuition and other educational expenses, apply for a PLUS loan and reimburse yourself!
• Eligible for federal loan consolidation
• Interest that may be tax-deductible (consult your tax advisor)
• Quick, no-hassle application process

What are you waiting for? Apply for your PLUS loan now.

Lock in your monthly payments.

Your PLUS fixed interest rate means you’ll never have to worry about rising interest rates or a higher monthly payment than what you initially signed up for.

• Generous borrowing limits: The cost of college is more than just tuition. With a PLUS loan, you can borrow up to your child’s full cost of attendance, which includes school-related expenses like books, supplies, and even a transportation allowance.
• No application fees: It’s always free to apply for your Federal PLUS Loan.
• Secure online application process with e-signature: Apply online, and you could have a preliminary approval in as little as 15 minutes
• NextStudent’s PLUS Credit Resolution Team: We’ve been able to approve 87% of our PLUS and Grad PLUS loan applicants. With NextStudent’s “second look” policy, we can help you get past unresolved credit issues, even if you don’t get a preliminary approval right away.
• Repayment flexibility: PLUS loans come with different repayment options that could help lower your monthly payments. And your PLUS Loans are eligible for consolidation, which could give you more time to repay.
• No prepayment penalties: You won’t ever be charged a fee for making more than your minimum monthly payment or for paying off your PLUS loan before it’s due.

Get pre-approved instantly.

Apply once, and get your PLUS funds for years.

Once you complete the PLUS loan Master Promissory Note (MPN), your approved PLUS application is good for up to 10 years. As long as you’re credit-approved and your child stays at the same school, all you have to do is check in each year and confirm how much money you want to borrow. Be sure to tell your student’s financial aid office that your lender is NextStudent, Lender ID 834051.

Federal PLUS Loans allow qualifying parents of eligible undergraduates to borrow up to the total cost of attendance each year their student is in school. PLUS loans aren’t need-based loans, so you can qualify regardless of income. And more importantly, PLUS loans are available throughout the academic year. So even if you’ve already started paying this year’s tuition, it’s not too late to take out a PLUS loan. Just ask the school to send the check to you, and reimburse yourself!

Taking out a PLUS loan is a smart financial strategy, and it can help you meet college costs at low, fixed interest rates and excellent terms.

• Lock in a fixed, low interest rate of 8.5%.
• Borrow up to 100% of your child’s college costs—that means not just tuition, but other education-related expenses like room and board, school fees, books, supplies and even a computer!
• Consolidate your PLUS loans, and you could substantially lower your monthly payment and get up to 20 more years to repay.
• Your PLUS loan interest payments may be tax-deductible (check with your tax advisor).
• Apply online, and you could have a preliminary approval in as little as 15 minutes!
  

Returning PLUS Borrowers

The Master Promissory Note (MPN) you completed for your Federal PLUS Loan is good for up to 10 years, as long as you’re credit approved and your student has remained at the same school. Just check in with us to confirm how much money you want to borrow, and contact your student’s financial aid office to let them know you’ll be renewing your PLUS loan. You can use this form to assist you in renewing your PLUS loan. Don’t forget to remind your school that your lender isNextStudent, Lender ID 834051.

Quick Links
» Eligibility
» Loan Amounts
» Rates, Fees and Terms
» Top Questions about PLUS Loans
» Apply for a Graduate Plus Loan

Federal Stafford Loans*

Please be aware that due to current conditions in the student loan market in particular and in the financial sector in general, NextStudent is not currently able to accept any new PLUS, Grad PLUS, Stafford, or Federal Consolidation Loan applications. However, you may be able to apply for these federal student loans from one of our trusted partners. Click here for more information.

Cash in on a great offer! Get one of the most affordable loans available. Federal Stafford Loans are government-secured student loans available to undergraduate and graduate students at rock-bottom rates. There’s no collateral or credit check required, and payments are deferred until you graduate.

• Low 6.8% fixed interest rate
• No application fees
• No collateral or credit checks
• No payments while you’re in school
• Eligible for federal loan consolidation
• Tax deductions and flexible repayment options available
• No prepayment penalties

What are you waiting for? Apply for a Stafford Loan now.

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Federally guaranteed student loans for students in almost any financial situation

Awarded both with and without consideration of financial need, Stafford student loans give undergraduate and graduate students a self-help financing option that’s available to you regardless of how much money you or your parents make.

Stafford loans are given to students in their own names without a credit check, so you don’t need to worry about finding a co-signer to get money for college or graduate school.

Get the money you need for school. Apply now.

More about Federal Stafford Loans

A Stafford student loan is one of the most affordable ways to pay for school. Stafford loan rates are lower than other forms of consumer financing, and repayment is postponed until you leave school or drop below half-time enrollment.

• Low, fixed interest rate of just 6.8%
• No collateral or credit check required
• No co-signers required
• Repayment deferred while you’re in school
• Eligible for federal loan consolidation
• Tax deductions and flexible repayment options available
  

Or call us toll-free at (877) 680-9879 to apply.

Quick Links

» Begin the Application Process
» Types of Stafford Loans
» Loan Amounts
» Rates Fees and Terms
» Top Questions about Stafford Loans

Student Loans

NextStudent Private Student Loans

* Please be aware that due to current conditions in the student loan market in particular and in the financial sector in general, NextStudent is not currently able to accept any new applications for NextStudent Private Loans. However, you may be able to apply for a private student loan from one of our trusted partners. Click here for more information.

Cover up to 100% of your college costs.

Get the money you need for college or grad school. With a NextStudent Private Loan, you can cover up to 100% of your higher education expenses. Get from $3,000 up to $45,000* a year to pay for those college and grad school expenses that your scholarships and federal financial aid didn’t cover.

Get the money you need when your financial aid isn’t enough.

If your scholarships, grants, and federal student loans don’t cover the total cost of your education,you can still get the money you need for school. Our private student loans are available to undergrads and graduate students for tuition and fees, room and board, and your other education-related expenses: books, supplies, your trips home, even a laptop.

Apply FREE online or call us toll-free at (877) 680-9879.

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Check out all the benefits that come with your NextStudent Private Loan.

• No FAFSA required
• No application or origination fees — apply FREE
• No payments due until after graduation^†
• Competitive interest rates and fees
• Your interest only capitalizes once, not quarterly like with other lenders
• Your check comes straight to YOU, not your school^‡

Take advantage of our borrower rewards.

Graduating from college is a huge accomplishment. We want to reward our graduating borrowers for making it through. We also make it a point to reward responsible borrowers and responsible repayment.

• Apply with a creditworthy co-signer, and you may qualify for a lower rate
• Take $300 off your principal loan amount when you graduate (with proof of graduation)
• Get an immediate 0.25% rate discount just for signing up for automatic monthly payments
• Make your first 48 consecutive payments on time, and you can request to release your co-signer (you’ll need to meet the loan credit requirements at the time of request)

Apply FREE online or call us toll-free at (877) 680-9879.

Apply today — it’s fast, easy, and FREE.

Our private student loans have NO application deadlines or fees. Apply for your NextStudent Private Loan any time — at the beginning of the school year, mid-semester, or right before finals. Get the money you need for school when you need it. Apply now, and you could have a preliminary approval today!

Quick Links

» Start Now
» Rates and Fees

Important Information:
Since federal student loans generally offer more attractive terms than private student loans, you should always use your federal financing options first. You should only consider taking out a private student loan if you find that, even after your federal loans and grants, your school costs still exceed your available scholarships and financial aid. In that case, a private student loan could provide the remaining money you need.

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In order to provide you with a student loan, it will be necessary for us to share the information you’re providing here with certain third parties, such as a lender or servicer. Any personal information you provide to us on this form may be shared with a third party as outlined in our privacy policy, for the purposes of providing you either with a student loan or with other products or services.

NextStudent is a marketer of student loans and is not the lender for the NextStudent Private Loan. All loans are subject to credit approval. NextStudent Private Loans may not be available in all states. Borrower benefits, terms, and conditions are subject to change without notice.

* Based on the annual cost of attendance at your school. The lifetime aggregate maximum loan limit is $75,000 for undergraduates and $150,000 for graduate students. The minimum loan amount may be higher in certain states.

† No payments required until six months after graduation or after ceasing to be enrolled at least half time. Immediate repayment and interest-only repayment options are also available. Repayment begins no later than eight years after the loan is disbursed (five years’ deferment for undergraduates, three years’ deferment for graduate students).

‡ The loan proceeds will be disbursed in the form of a check co-payable to you and your co-signer (if applicable).