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Fixed-rate loans often have higher rates than the introductory rates on variable loans.

We sometimes earn a sales commission or advertising fee when recommending various products and services to you.

Similar to when you are being sold any product or service, be sure to read the fine print understand what you are buying, and consult a licensed professional if you have any concerns.

The rates and terms listed on our website are estimates and are subject to change at any time.

Please do your homework and let us know if you have any questions or concerns.

With student loan consolidation, you may be able to refinance at a lower interest rate, decrease your monthly payment, or both!

When you apply, most banks and lenders will look at your credit score, annual income, savings, and college degree type (or certificate of enrollment if still in school).

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Longer terms will typically result in lower monthly payments but at a higher interest rate.

Borrowers may select any term offered by a lender regardless of the current loan term.

Student Loan Hero is not a lender or investment advisor.

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