Consolidating private student loans chase
There are several factors that may impact your eligibility for student loan refinancing, including your age, your citizenship status, and the state you live in.
With more than $11 billion in loans provided to a total of more than 165,000 borrowers (who So Fi calls "members"), they've definitely made a name for themselves among online lenders.To get started with National Debt Relief you simply complete their short online form to have a friendly consultant call with assistance, or call their toll-free customer service number when the time is right for you.Their consultants are well trained to perform a free student debt analysis and help determine which debt relief program is best geared for your personal situation.We really appreciate that So Fi has absolute transparency with their student loan consolidation rates and that they do not charge origination fees or prepayment penalties.At the time of our review, their interest rates on student consolidation loans were: Loan terms range from 5 years to 20 years and the minimum loan is $5,000.For example, there are standard consolidation options in which several student loans can be rolled into one, and then paid off either in equal monthly payments, graduated payments that are low at first and increase over the life of the loan, or extended payments that can lower the monthly amount even further by stretching the loan out to as long as 25 years.
There are also several repayment options that are based on your income, where the amount of your monthly payment is based on a certain percentage of what you earn.
There are other plans too, such as to make payment deferments, claim forbearance for medical or financial hardship, and even public service loan forgiveness.
One of the things we liked best about National Debt Relief is that they don't charge any upfront fees and don't collect payment until your student debt consolidation plan is implemented.
Their toll-free customer service number is clearly posted, and they provide easy access to information sources such as: There is a ton of useful information here, more than we saw on most of the other student loan consolidation sites we have reviewed.
NDR offers a lot of options for both private and federal student loan relief.
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