| The Federal Student Loan Consolidation Program | | | | payments (not locked); and the "Google" package |
| offers numerous benefits including locked-in interest | | | | which offers a .25 percent discount when borrower |
| rates that may save borrowers thousands of dollars | | | | opts to pay via Auto-Debit, .375 percent discount |
| and may cut monthly payments by up to 60 percent. | | | | after six months of on-time payments and the 1 |
| NextStudent, the Phoenix-based premier education | | | | percent discount after 36 consecutive on-time |
| funding company, takes those incentives one step | | | | payments (not locked). |
| further by offering students a .6 percent discount if | | | | Qualifying for Federal Student Loan Consolidation |
| they consolidate their student loans during the six | | | | There are numerous advantages to student loan |
| month grace period after graduation. | | | | consolidation with NextStudent, regardless of which |
| More Student Loan Consolidation Benefits from | | | | incentive package a borrower chooses. Qualification is |
| NextStudent | | | | simple with NextStudent's "4-step easy e-app." There |
| The interest rates for federal consolidation loans are | | | | are no credit checks, fees, or co-signers required. |
| set by the federal government, so the only true | | | | However, borrowers must have a total student loan |
| difference that individual companies can offer on their | | | | balance of at least $10,500. In as little as 5 minutes |
| student loans are their incentive or discount | | | | applicants can qualify for student loan consolidation |
| packages. NextStudent offers substantial discounts | | | | over the phone, and get their questions answered by |
| both in the form of the .6 percent "New Grad" | | | | a personally assigned Education Finance Advisor. |
| discount and additional incentive packages. | | | | Students and parents can save significantly when |
| Borrowers have the option of choosing from three | | | | they consolidate their student loans with NextStudent |
| benefits packages. These packages include the | | | | and take advantage of up to a 30 year repayment |
| "Standard Locked" package which offers a .25 | | | | term, incentive packages and .6 percent "New Grad" |
| percent discount when the borrower opts to pay via | | | | discount. |
| Auto-Debit and a 1 percent LOCKED RATE reduction | | | | NextStudent believes that getting an education is the |
| after 36 consecutive on-time payments; the "2 %" | | | | best investment you can make, and it is dedicated to |
| package which offers a .25 percent discount when | | | | helping you pursue your education dreams by making |
| the borrower opts to pay via Auto-Debit and 2 | | | | college funding simple. |
| percent rate reduction after 36 consecutive on-time | | | | |