We can't eliminate our student loans, but for many Spring 2007 college graduates this the best time to consider consolidating any loans taken out before July 2006, as this would save the at least 0.60% in interest rate. 

Many don't know about this benefit, and many won't even look in to it, however we are here to assist id you would like to explore a student loan repayment reduction.  This benefit only applies to Federal Student Loan Consolidations while in "Grace Period".

Grace Period according to The Federal Student Loan Act is defined as a no payment required period not to exceed 6 months after college graduation, while not working.

If you graduated in Spring 2007 you'll have till sometime in November, December or January before you are required to make a student loan payment, as long as you are not employed in the field you studied.

Why does this benefit only apply to loans taken out before July 2006? Because Congress changed the law and interest rates from variable or adjustable interest in May 2006, to a lower fixed interest rate. 

How can you find out if this benefit applies to you?  You can apply here and we'll help you do the research. 

You can also call 1-800-4FEDAID.  When you call this number you'll be calling The Department of Education's Federal Aid section.  Here you can ask for student loan balances, status of student loans, dates the loans were originated, and get answers to other student loan related questions. 

If you decide to apply online with us, we'll help guide you through the process and the program without obligation or fear of being sold anything.  We don't ask for your social security number or date of birth, why? Because we think your privacy is something you should guard and it should be until you understand and feel comfortable about the process and program should you fully proceed with this government repayment benefit.