StudentBenefitServices Student Loan

Consolidation Calculator

Enter your current loan information and click Calculate. If you need to search for your outstanding loans, click here.

Loans To Be Consolidated
Loans Balance Int. Rate Estimated Consolidation Rates
Loan 1:	$ %	Total Consolidation Amt.:
Loan 2:	$ %	Average Interest Rate *:
Loan 3:	$ %	New Rate After SBS Discounts:
Loan 4:	$ %	Maximum payoff period (years):
Loan 5:	$ %	Number of payments (months):
	Please be patient. This takes a few moments.

Level Repayment Plan
Interest and principal payments are fixed for the entire term.
	Without Incentives	With SBS Incentives	Difference
Payment Amount:
Number of Payments:
Total Interest Paid:

Two Year Graduated Repayment Plan
You make interest-only payments for the first two years of the repayment term. Regular principal and interest payments begin in year three of the repayment plan.
	Without Incentives	With SBS Incentives	Difference
Payment Amount (1-24):
Number of Payments:
Total Interest Paid:

Extended Level Repayment Plan (If Qualified)
If you have an outstanding loan balance of $30,000 or more, but less than $40,000, you may qualify for an additional 5 years to pay off your loan under the Level Repayment Plan
	Without Incentives	With SBS Incentives	Difference
Payment Amount:
Number of Payments:
Total Interest Paid:

* Weighted Average Interest Rate is rounded up to the nearest 1/8th percent or 8.25%, whichever is less.

** This interest amount and term is calculated with the 1.25% rate reduction. Find out how to qualify for this rate reduction by clicking here.

Your consolidation totals may vary slightly from these estimates. Contact us today to get a free quote.

What are you waiting for? Apply Now!

How to Get the Pre-July 1st Interest Rate After the Deadline!

According to the U.S. Department of Education, if you have "substantially completed" a student loan consolidation application prior to July 1, 2007, you may still qualify for the lower pre-July 1 interest rate, even at this late date!

CURRENT STUDENT LOAN CONSOLIDATION
INTEREST RATES

5.375% - 6.125%*

*includes earned
borrower benefits

Apply for consolidation

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