Use this student loan calculator to itemize the Federal student loans you would like to consolidate and to estimate how much you can lower your total monthly payment. (If you prefer, one of our financial specialists can estimate your monthly payment reduction over the phone — simply have your loan information handy and call us toll-free at 1-866-523-1474.)

The results provided by our student loan calculator, or if you call a financial specialist, are based on the numbers you enter and are an estimate only. Your actual payment amounts are dependent on the information certified by the current servicer/lender of your loans, and will not include special discounts that you currently may be receiving.