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At Congressional Federal we understand managing your student loans is not your top priority.That is why we want you to focus on your career and not your education loans.
Single monthly payment When your existing private student loan(s) is refinanced into a new Sun Trust private student loan, monthly payments are combined into one payment.
Private education refinance loans are variable or fixed interest rate loans offered by banks, credit unions, and state agencies which allow borrowers to combine their outstanding federal and private student loans into a single new loan.
The interest rate on a refinance loan is based on credit criteria set by the lender which can include credit scores of a borrower and, if applicable, coborrower.
Options also exist for consolidating your private student loans.
Your private loans cannot be consolidated with your federal loans, and the low interest rates that apply to federal loans are not available for private loans.
Applying with a creditworthy cosigner may increase your chance for approval and may lead to a lower rate.
Cosigners may be released from the loan after 24 consecutive months of on-time principal and interest payments.There are pros and cons to consolidation, so be sure to review all of the official information in order to decide what’s right for you.The advantages of loan consolidation may include: For full information on Direct Consolidation Loans, visit or call the Loan Consolidation Information Call Center at 1-800-557-7392 before you apply.With our student loan consolidation program, you can combine your federal and private student loans into one easy payment with a lower interest rate.Building a brighter future starts with our easy four step process – apply online, get instant decision, customize your loan, and get funded.If you choose a repayment option other than immediate or interest only repayment, unpaid interest that accrues during the deferment period will be capitalized upon entering repayment, which will cause more interest to be paid over the life of the loan.