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If you choose to consolidate while you are still in school or during your grace period, you will lose any remaining grace period on the loans that you are consolidating, and you will begin making payments approximately 30-45 days after your loan is disbursed.
Please continue making your monthly payments until we notify you that your consolidation loan has disbursed.
However, once your loan is disbursed, and we pay off your existing loans, the process cannot be reversed.
Once you've received the Approval Disclosure and accepted the loan terms, no additional loan(s) can be added.
If you choose to apply with a creditworthy cosigner, you may receive a lower interest rate.
If you choose to consolidate loans that currently have a cosigner, your cosigner will no longer be responsible for the loans you include in your new consolidation loan.
When you consolidate your student loans, you may be able to lower your monthly payment if you qualify for a lower interest rate and/or extend your repayment term.