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Disclosure: Student Loan Hero is a free website to help student loan borrowers.

We only evaluate lenders and do not issue student loans.

With student loan consolidation, you may be able to refinance at a lower interest rate, decrease your monthly payment, or both!

When you apply, most banks and lenders will look at your credit score, annual income, savings, and college degree type (or certificate of enrollment if still in school).

Variable-rate student loans have interest rates that can change during the repayment period.