Current Students
 Chase can consolidate your federal student loans when you graduate/separate from school. Chase recommends you contact us during your final semester of school—about three months before you graduate—to begin the consolidation process. Chase representatives will discuss your consolidation options, work to keep your payments low, and help you get the lowest possible interest rate. You can consolidate online or by phone in as little as 15 minutes.
Recent Graduates
If you've graduated/separated from school within the past six months, you're still in your grace period. It's best to complete your consolidation before the end of your grace period. Borrowers can benefit from a 0.6% interest rate reduction by consolidating during their grace period.1 The consolidation process takes about 30 days, so be sure to call at least 30 days before your grace period expires.
By consolidating during your grace period, you can reduce your monthly payments by up to 45%. If you're not ready to start making payments, you can request up to 24 months of forbearance once you consolidate your loans. You can consolidate online or by phone in as little as 15 minutes.
Consolidation through Chase is a smart financial decision. Apply online today.
Loans in Repayment
Most graduates quickly take on additional responsibilities and expenses, such as cars, houses, kids and families. They don't want to be burdened by expensive monthly student loan payments. Consolidating with Chase can reduce your interest rate through the Chase borrower benefits program and cut your monthly payments by up to 45%.
Consolidation can simplify your life by giving you only one payment to make each month. It can also improve your credit rating and make it easier to buy your next car or house. You can consolidate online or by phone in as little as 15 minutes.
Consolidation through Chase is a smart financial decision. Apply online today.
Graduate Students
 Graduate school can provide key financial benefits for the rest of your career. Before taking out new loans, it's very helpful to consolidate your undergraduate loans. While you're in school, you can put your existing loans in deferment or forbearance, which will free up some extra money while you're in school. Be careful when you take on new loans—only borrow what you absolutely need for tuition and living expenses. Once you graduate, Chase can help you add your new loans to your existing consolidation.
Consolidation through Chase is a smart financial decision. Apply online today.
Parents
Even in college, children often turn to their parents for financial advice and assistance. Recommending the Chase Consolidation Program is one of the most important tips you can provide your son or daughter after they graduate. It can lower their payment by as much as 45% and give them additional money in their pocket to pay the rent. Making regular payments on a consolidation loan can help them establish and maintain a superior credit rating. Building a relationship with a leading financial institution such as Chase can be beneficial as your children as they grow and their financial needs expand.
Consolidation can help parents as well. If you've taken PLUS loans to help finance your child's education, those loans can be consolidated through Chase as well. Ask a Loan Counselor for more information.
Consolidation through Chase is a smart financial decision. Apply online today.
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