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* 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.
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!