| Are the payments over a number of loans for | | | | federal loan grace period, you will be for a lower |
| students? Maybe you want an AES student loan | | | | interest rate on your student loan consolidation |
| consolidation that would combine all your federal loans | | | | considered. |
| into a test with American Education Services. | | | | Borrowers must come at least 1 PHEAA / |
| What are the advantages of an AES student loan | | | | AES-guaranteed loan for federal loan consolidation |
| consolidation? | | | | into consideration. Any Federal Ministry of Education |
| If your loan allows you to stay in a fixed interest | | | | loans are in default and is held by another lender, |
| rate, the total be less than the effective interest | | | | does not entitle included in your federal student loans |
| rate lock for your existing loan. And, you only have | | | | AESConsolidation. If your Federal Ministry of |
| to pay a bill, whileLower your monthly payments. You | | | | Education loans held by AES, they can be included in |
| need not deal with application fees or credit checks | | | | your consolidation, after they had rehabilitated. |
| to pay, plus you do not have to cosign. | | | | If you have a Federal Consolidation Loan in the past, |
| How do I know if I am eligible? | | | | and you have purchased additional loans since the |
| Basically, if you just made your conclusion that a | | | | Federal Ministry of Education, or you do not get all |
| borrower is already paying back your loan, or a | | | | into consideration your current loan consolidation, you |
| parent with a PLUS loan, you should take into | | | | can opt for a new AES student loan consolidation |
| consideration. If you are still in school, but even then | | | | considered. |
| less than half the time you are eligible for federal | | | | Parents who took credit for the education of their |
| consolidation. Only government-guaranteed student | | | | children are alsoEntitled to student loan consolidation. |
| loans can be included in a federalConsolidation loan. If | | | | An AES student loan consolidation offers parents the |
| you've done in the past six months and still in your | | | | same benefits as enjoyed by student borrowers. |