Student Loan Consolidation

If you send payments to more than one lender every month, and want the convenience of a single monthly payment, consolidation may be right for you. With a Direct Consolidation Loan, you will have a single lender - the U.S. Department of Education - and a single monthly payment.

If you have variable interest rates on your Federal education loans, you may want to consolidate. The interest rate for a Direct Consolidation Loan is fixed for the life of the Direct Consolidation Loan. The rate is based on the weighted average interest rate of the loans being consolidated, rounded to the next nearest higher one-eighth of one percent and can not exceed 8.25 percent.

Benefits of Student Loan Consolidation

Direct Consolidation Loans allow borrowers to combine one or more of their Federal education loans into a new loan that offers several advantages.

• One Lender and One Monthly Payment
• Flexible Repayment Options
• No Minimum or Maximum Loan Amounts or Fees
• Varied Deferment Options
• Reduced Monthly Payments
• Retention of Subsidy Benefits

Eligible Loans

• Direct Subsidized and Unsubsidized Loans
• Federal Subsidized and Unsubsidized Federal Stafford Loans
• Direct PLUS Loans and Federal PLUS Loans
• Direct Consolidation Loans and Federal Consolidation Loans
• Guaranteed Student Loans
• Supplemental Loans for Students
• Auxiliary Loans to Assist Students
• Federal Perkins Loans
• National Direct Student Loans
• National Defense Student Loans
• Health Education Assistance Loans
• Health Professions Student Loans
• Loans for Disadvantaged Students
• Nursing Student Loans

Ineligible Loans

Some loans are always ineligible for consolidation. While these loans may not be included in a Direct Consolidation Loan, they may be considered in the calculation of the maximum repayment period under the Graduated or Extended Repayment Plan. These include but are not limited to the following:

• Loans made by a state or private lender and not guaranteed by the federal government
• Primary Care Loans
• Law Access Loans
• Medical Assist Loans
• PLATO Loans

How to Apply

There are several ways that you can apply for a Direct Consolidation Loan:

Apply online, Apply over the phone if you have all Direct Loans by calling 1-800-557-7392, or request an application package be mailed to you.

The College Network

Online

Start your nursing career with The College Network. Earn your NLNAC/CCNE Accredited nursing degree online from one of our partner universities: Regis University, Indiana State University, Angelo State University and more at 1/2 the cost and time of traditional universities with no campus attendance, no wait list and local clinicals.

Programs:

• LPN/LVN to RN - BS in Nursing - Indiana St. - (Licensed LPN/LVNs only)
• Paramedic to RN
• LPN/LVN to RN - AS in Nursing (Licensed LPN/LVNs only)

University of Phoenix

Campus

As the largest private university in North America, University of Phoenix has more than 200 locations, and is available online in most countries around the world. Whether you're seeking a college degree at an associate's, bachelor's, master's, or doctoral level, we can help you reach your academic goal—and sooner than you might think.

Programs:

• M.S. in Nursing
• Doctor of Philosophy in Nursing
• BS in Nursing (RN Required)

Campus Locations:

Online
Lancaster
Beachwood
Orlando
San Antonio
Nashville
Jacksonville
Maitland
Bakersfield
Sacramento
Westlake
Tampa
Troy
Lathrop
Killeen
Hurst
Sarasota
Henderson
Lone Tree
Miami
Plantation
Temple Terrace
Daytona Beach
Phoenix
Independence
Rancho Cordova
Southfield
Ontario
Clinton Township
Arlington
Fairfax
Dallas
Houston
Mesa
Spring
Hollywood
San Diego
Fresno
Livermore
Las Vegas
Saint Louis
Littleton
Los Angeles
Tucson
Roseville
Fort Lauderdale
Baton Rouge
Sugar Land
Woodland Hills
San Jose
Clearwater
Manassas
Flint
Westminster
St. Louis
Gardena
San Francisco
Oakland
Ann Arbor
Livonia
Diamond Bar
Elk Grove
Irving
Fairfield
Murrieta
Pasadena
Palm Beach Gardens
East Lansing
Reston
St Louis Park
Costa Mesa
Aurora
Chandler
Saint Paul
Grand Rapids
Salida
Portage
Palm Desert

Keiser University

Campus

Keiser University eCampus Online offers degrees in fields that are in high demand and provides job placement assistance to all its students and alumni.

Programs:

• Nursing, MS
• Medical Assisting, AS

Campus Locations:

Fort Lauderdale

CollegeAmerica

Campus

Finally, a college that delivers. CollegeAmerica is truly unique in that their curriculum is designed for one purpose and one purpose only: to prepare students for success.

Programs:

• Bachelor of Science Completion in Nursing (Online)
• Associate Degree in Nursing
• Bachelor of Science Completion in Nursing Administration (Online)

Campus Locations:

Colorado Springs
Fort Collins
Cheyenne
Phoenix
Denver
Flagstaff

Kaplan College - KHE

Campus

Don't wait another day to take the next step forward in your career. Kaplan College can give you the real-world knowledge and skills you need to succeed in your chosen field.

Programs:

• Associate of Science: Nursing
• Diploma: Practical Nursing
• Diploma: Patient Care Assistant/Technician

Campus Locations:

Las Vegas
Indianapolis
Corpus Christi
San Antonio
Stockton
Charlotte
Fort Worth
Beaumont
Columbus
Dayton
Phoenix
Bakersfield
Lubbock
Arlington
Laredo
Midland
Clovis
Mcallen

Medtech

Campus

Start your career with an education from Medtech. We offer programs in biotechnology, health care management, medical assisting, medical billing and coding, medical lab technology, and nursing, plus several short-term career courses.

Programs:

• School of Nursing
• Medical Assistant

Campus Locations:

Fort Wayne

Dover Business College

Campus

Launch a business, healthcare, or technology career with Dover Business College. Train with the most current technology programs at one of our two (Dover and Paramus, New Jersey) campuses.

Programs:

• LPN (Licensed Practical Nurse)
• Patient Care Technician
• Medical Assistant

Campus Locations:

Clifton
Dover

Sanford-Brown Institute

Campus

Get everything you need for the medical career you want. Sanford-Brown Institute's advanced programs allow you to complete your certificate or degree program in as little as 9 months. Learn more today.

Programs:

• Nursing
• Medical Assistant
• Medical Assistant Specialist

Campus Locations:

Melville
Monroeville
Austin
Orlando

Stevens-Henager

Campus

For more than 119 years, Stevens-Henager College has worked to train generations of graduates for new careers. Stevens-Henager College is accredited by the Accrediting Commission of Career Schools and Colleges (ACCSC). Our degree programs, designed to help graduates compete in the ever-evolving employment market, include Medical Specialties, Respiratory Therapy, Healthcare Administration, Surgical Technology, Business Management and Accounting, Computer Technology and Networking, Computer Programming, Computer Science, and Graphic Arts*. Online programs are offered via Stevens-Henager College, Salt Lake City/Murray. Stevens-Henager College Idaho Falls is a branch campus of the CollegeAmerica, Flagstaff, AZ, main campus.

*Check each campus for program availability.

Programs:

• Bachelor of Science Completion in Nursing
• Associate Degree in Nursing Education
• Master of Science in Nursing Administration

Campus Locations:

Layton
Ogden
Boise
Lehi
Saint George
Logan
Nampa
Idaho Falls
Orem
Murray

Carrington College California

Campus

Carrington College California offers the programs you need to begin a career in healthcare. Choose from Healthcare, Massage Therapy, Dental Assisting, Pharmacy Technology, or Veterinary Services.

Programs:

• AS in Vocational Nursing
• Certificate in Vocational Nursing
• AS in Medical Assisting

Campus Locations:

Antioch
Citrus Heights
Pomona
Pleasant Hill
San Jose
Emeryville
Sacramento
Stockton
San Leandro

Keiser University Graduate School

Campus

Keiser University offers accredited degree programs in today's high-demand careers: Healthcare, Technology, Paralegal, Business, Nursing and Legal Studies.

Programs:

• Nursing, MS (Online)

Campus Locations:

Fort Lauderdale

Charter College

Campus

Prepare for a better career and a brighter future with help from Charter College. Our accelerated Bachelors Degree, Associates Degree, and Certificate programs are designed to help you complete your education as quickly as possible. We offer year-round classes and flexible scheduling - study anytime from anywhere. Our small class sizes and dedicated instructors ensure a personalized education experience. We provide students not only with the technical skills necessary for success, but also job search and placement assistance so you can find the job that's right for you after graduation.

Programs:

• Vocational Nursing
• Medical Assistant

Campus Locations:

Canyon Country
Oxnard
Wasilla
Vancouver
Lancaster
Anchorage
Bellingham

Florida Career College

Campus

Train for the real-world skills that help you launch a successful technology or healthcare career with a degree, or diploma from Florida Career College.

Programs:

• Associate's Degree - Nursing RN
• Diploma - Patient Care Technician
• Diploma - Medical Assistant Technician

Campus Locations:

Boynton Beach
Clearwater
Miami
Pompano Beach
Hollywood
West Palm Beach

West Coast University

Campus

Achieve your educational and professional goals with help from West Coast University. We offer accelerated Health Care Administration degrees designed for working adults like you.

Programs:

• Bachelor of Science in Nursing Degree program
• Bachelor Degree in Nursing (RN to BSN)

Campus Locations:

Ontario
Anaheim
Dallas
Los Angeles

Keiser University Campus

Campus

Keiser University offers accredited degree programs in today's high-demand careers: Healthcare, Technology, Paralegal, Business, Nursing and Legal Studies.

Programs:

• Nursing, BS (Online Only)
• Nursing, AS
• Nursing, MS (Online Only)

Campus Locations:

Orlando
Tallahassee
Port Saint Lucie
Tampa
Fort Lauderdale
Sarasota
Jacksonville
Fort Myers
Lakeland
Melbourne
West Palm Beach
Daytona Beach
Hollywood