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Once your loan is finalized, we'll pay off the loans you’ve included in your consolidation and those loans will make up one new loan with one monthly payment to Wells Fargo.A consolidation loan allows you to refinance one or more loans into one new loan with a new interest rate and/or payment term.View APR examples Calculate your rate and payment ranges by answering just 3 questions without any personal information.Two great ways to lower your interest rate Learn more about student loan discounts.When you apply with Wells Fargo, we will help you to carefully review all of your options.We make it easy to get your personalized rate and payment estimates with no impact to your credit score.Alternatively, if you choose a shorter repayment term than your current loans, your monthly payments may increase, but the total amount you pay may be less over the life of the loan.Some borrowers will need a cosigner for this loan to meet the loan credit requirements. Borrowers that qualify on their own do not need a cosigner but may still choose to apply with a cosigner.

Repayment terms options may include 5, 7, 10, 15 and 20 years based on the amount of your loan and the credit qualifications of you, and your cosigner, if applicable.

Consolidating your federal and/or private student loans with Wells Fargo may help you take control of your finances by creating a single private loan with a new interest rate, one monthly payment, and a new repayment term of your choice.

A single eligible loan can also be refinanced with the You can include federal and/or private student loan debt from Wells Fargo or another lender, including: Federal Direct loans, Federal Stafford Loans (subsidized and unsubsidized) and Federal PLUS loans.

Keep in mind that your actual interest rate may vary as it will be determined by several factors when you apply.

These factors include the repayment term selected and the credit qualifications of you, and your cosigner, if applicable.

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