Student Loan consolidation services is the process through which you can bring all your loans under one single loan note and reduce the monthly payments by increasing the duration of the loan. The benefits of consolidation include:

• Lower rate of interest
• Locking in loans at a lower interest rate
• Lower monthly payments
• Worrying about just one loan instead of many
• Longer repayment schedule

Bear in mind that we are talking specifically about student loans. There is consolidation available from other type of loans too, but at Student Financial Advisors we deal with one thing consolidating your student loans.

The reason for consolidation is simple, it merges all your student loans and bills into one single payment. It reduces the graduate's monthly bill of loan repayment. In simpler terms, think of it this way: If you have to pay $40,000 in 10 years, you pay $4,000 every year (leave out interest for this example), and if you have to pay the same $40,000 in 25 years, you pay $1,600 every year. Student loan consolidation services reduce your monthly payments on student loan expenses and gives you extra cash. We recommend that if you can afford to send extra money each month that you do so. This extra money will go directly towards the principle.

Now to tell you a little bit more about the student loan consolidation services. If your loan is eligible to be consolidated under this program (see the list below) then you don't have to worry about variable interest rates anymore. The interest rates are fixed based on a few factors such as the balance amount of the loan outstanding, the interest rate currently paid, when you choose to consolidate, and how many incentives you take advantage of. Once you consolidate the interest rate will be fixed throughout the life of your loan. So no more financial squeeze on your life when the interest rate markets are on an up trend.

Here is the list of loans that can be consolidated through our student loan consolidation services:

• Unsubsidized Federal Stafford Loans
• Federal Parent Loans for Undergraduate Students (PLUS)
• Federal Supplemental Loans for Students (SLS)
• National Direct Student Loans (NDSL)
• Health Professions Student Loans
• Federal Perkins Loans
• Subsidized Federal Stafford Loans
• All Federal Direct Student Loans (Direct Loans)
• Health Education Assistance Loans (HEAL)
• Nursing Student Loans
• Student Consolidation Loans
• Federally Insured Student Loans (FISL)
• Loan from the Department of Education

If your loan falls under any of the above, then loan consolidation, from standard college student loan consolidation to National Direct Student Loan consolidation, is a realistic option for you.

At Student Financial Advisors we reduce your loan burdens. We offer you the following terms:

• Lock in low interest rates.
• No credit checks, No fees - Absolutely Free!
• Loan period extendable to up to 30 years
• Lower monthly payments by nearly 50%
• Complete confidentiality maintained
• Free live pre-qualification by government-approved agents
• Your loans are still backed by the federal government
• Process your loans online
• .60% off of your student loans if you consolidate while in your grace period
• .25% off if you signup for automatic bill pay
• 1 full percent of after you make 36 on time payments