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Network Consolidation Loans

Loans eligible for consolidation include:

• Federal Stafford Loan (STTFRD, UNSTFRD)
• Federal Consolidation Loan* (CNSLDN, SUBCNS, UNCNS, SPCNSL, UNSPC)
• Federal Direct Loan (DSS, DUS, DSCON, DUCON)
• Federal Perkins Loan
• Federal Parent Loans for Undergraduate Students (PLUS)
• Federal Supplemental Loan for Students (SLS)
• Federally Insured Student Loan (FISL)
• Health Professions Student Loan (HPSL)
• Nursing Student Loan (NSL)

FIXED Interest Rate

• Standard consolidation loan is available at today’s grace rate of 6.62%.
• Your rate is calculated as the weighted average of all loans being consolidated, then rounded up to the nearest 1/8 of a percent.
• Get a .60% rate reduction for consolidation during your current loan’s grace period.
• Get an immediate .25% rate reduction for automatic direct debit payments.
• Will not exceed 8.25%.

Effects of Loan Consolidation

• Locked-in fixed interest rate
• Single, lower monthly payment to one lender
• Longer repayment period
• If use direct debit, will need to setup a new arrangement

Loan consolidation will NOT affect your ability to:

• pay your loan off early with no penalty
• postpone payments via deferment or forbearance
• change your repayment plan
• maintain a good credit rating

Learn more about advantages and disadvantages.

How to Apply Apply Now: www.aessuccess.org Call: 1-800-338-5000 Use our Lender Code: 834156 More information American Education Services is a division of PHEAA, which has grown from a small student loan guarantor with a volume of only 4,600 student loans in 1964, to one of the largest, full-service financial aid organizations in the nation.