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 Loan program, 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