Consolidation Student Loan Companies

The best student loan consolidation companies offer low rates, strong customer service and benefits for borrowers. “Consolidation” just means combining multiple loans into one new loan. If you want to refinance or consolidate your student loans, make sure you understand how it will affect your monthly payments, interest rates and other terms of your debt before proceeding with a lender. That way, you can make the best choice for your situation!

Consolidation Student Loan Companies

Citizens Bank

Citizens Bank offers a student loan consolidation program called the Citizens Bank Student Loan Consolidation Program.

  • Fixed interest rates are 4.49% APR for graduate students, 5.49% APR for professional degree students and 6.99% APR for undergraduate students
  • The minimum amount you can consolidate is $7,500


SoFi is a student loan consolidation company that offers low rates, strong customer service and benefits for borrowers.

If you want to consolidate your student loans and get an affordable monthly payment, SoFi may be worth considering. In addition to offering low rates and generous repayment terms, they also provide access to financial advisors who are available by phone during regular business hours. Because SoFi specializes in student loans, these advisors can help you navigate the process of consolidating your debt into one manageable monthly payment if this is something you’re interested in doing.

Wells Fargo Education Financial Services

Wells Fargo Education Financial Services is a subsidiary of Wells Fargo. The company offers student loan consolidation and refinancing, as well as forgiveness options for certain types of debt.

Sallie Mae Smart Option Student Loan

The Sallie Mae Smart Option Student Loan is a good choice for people with a good credit score who want to pay off their loan early and save on interest. If you have an excellent credit score and can afford the monthly payment, this type of loan is also an option.

The Smart Option Student Loan offers several benefits:

  • It offers competitive rates for borrowers with excellent credit scores
  • Your monthly payments are capped at 10% of your discretionary income (you’ll find out how much that amount is when you apply)

Discover Student Loan Consolidation

If you are looking for a student loan consolidation company that offers low rates and flexible repayment options, Discover Student Loan Consolidation is a great place to start. We make it easy to apply for a student loan consolidation program so you can save money on your monthly payments, protect your credit score and get out of debt faster.

Discover Student Loan Consolidation was created by Discover Financial Services in 2005. As a wholly owned subsidiary of DFS, we offer direct-to-consumer financial services like personal loans and credit cards.


Earnest is a student loan refinance company. They are a direct lender and offer a variety of loan types, repayment options, and loan amounts.

  • Loan terms range from 5 to 15 years (with some flexible payment options).
  • Earnest offers fixed-rate and variable-rate loans with interest rates ranging from 4.8% – 12%.

First Republic Bank

  • First Republic Bank is a private bank that offers student loan consolidation.
  • First Republic Bank offers a low fixed interest rate, which can be beneficial to you if your interest rate is high in comparison.
  • In addition to offering the lowest rates on their loans, they also have an excellent customer service team with knowledgeable staff who are happy to answer any questions you may have about your loan repayment options or help you find the right plan for your personal situation.
  • If you want more than just consolidation of your loans, First Republic Bank has some other options as well: paying off one or more of your student loans ahead of schedule or even temporarily suspending payments while seeking work after graduation!

College Ave Student Loans

College Ave Student Loans is a private lender that offers student loans for undergraduate, graduate and professional degrees. College Ave has a strong customer service team that can help you with your student loan application and answer any questions you may have about the process. The company also has an easy-to-use website where you can apply for your loan online.

College Ave offers low fixed interest rates on its loans, making it a good choice for students who need a low interest rate on their loan without having to worry about paying fees or penalties. If you’re looking for consolidation student loan companies, then check out College Ave’s website at


If you’re looking for student loans, CommonBond is a good choice.

If you want to consolidate your student loans, CommonBond offers a variety of student loan consolidation products.

CommonBond has a student loan consolidation calculator that lets you see what kind of deal you can get based on your credit profile and other factors. The company also offers repayment incentives like an interest rate reduction after making payments on time for six months or more. It also has various repayment options including biweekly payments and income-based options that cap monthly payments at between 10% – 20% of your discretionary income (up to $20,000).

Nelnet Consolidation Loans

Nelnet is a student loan servicer. It was founded in 1979 and has a good reputation for customer service. Nelnet offers a variety of repayment options, which makes it easy to find one that works best for you. In addition to the online application process, you can also apply over the phone or by faxing or mailing in your paperwork. If you have any questions about consolidation loans through Nelnet, feel free to contact their customer service team at 1-800-555-5555

Splash Financial Student Loan Refinance

Splash Financial Student Loan Refinance

Splash Financial offers refinancing of private student loans at a fixed rate of 4.9% to qualified borrowers. You can also apply for up to $20,000 in cash back rewards with your loan refinance through Splash’s partnership with Credible.

Borrowers who refinance their student loans through Splash receive a 0.25% discount on interest rates if they have both federal and private student loans from previous colleges that they now want to consolidate into one loan.

The best student loan consolidation companies offer low rates, strong customer service and benefits for borrowers.

The best student loan consolidation companies offer low rates, strong customer service and benefits for borrowers.

  • Low Rates

Many students find themselves with a stack of student loans that they may be paying on for years to come. The interest rates on these loans can be high, leading to significant amounts owed in the long run. Consolidating your student loans can get rid of multiple payments each month and help you save money on interest over time. This will allow you to pay off your debt faster without having to spend thousands more than necessary on it.

  • Strong Customer Service

When looking into consolidating or refinancing your student loans, it’s important that you choose a lender who provides excellent customer service — especially if this is your first time navigating this process alone. This means having accessible representatives who are friendly and knowledgeable about all aspects of their company’s policies and procedures (including any potential fees). Having someone available by phone or email 24/7 can make all the difference when trying to find answers quickly when dealing with complicated financial scenarios like this one!


The best student loan consolidation companies offer low rates, strong customer service and benefits for borrowers.

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