Student Loan Consolidation Discount for Florida and Tennessee  Students

Grace Period for Student Loan Consolidation Discount Program
The day your student loans enter repayment, the interest rate goes up by 0.6%. But when you apply for your AFS Federal Consolidation Program loan at least 30 days before the end of your Federally regulated grace period, you may lock in your lower, "in grace" interest rate.

If you take advantage of this option, we will hold your application through the end of your grace period so that you can continue to benefit from your "no payment due" six-month grace period.

This student loan consolidation discount may also apply to you if you are in deferment, because Federal student loans automatically drop to the "in grace" rate. Again, if you apply for your consolidation loan 30 days before the scheduled deferment end date, you may lock in the lower rate for the life of your loan.

Please call an AFS Consolidation Specialist at the toll-free number listed above for details on how you can qualify for this great student loan consolidation discount. Take advantage of this student loan consolidation discount today, Apply Now!