Consolidate your Student Debt with Loan Consolidation Services

If your student loans have come due, and you have $10,000 or more in debt, now is the time to apply for a Consolidation Loan.

Generally, you qualify if:			Use AmericanDebtTrust.com's easy Consolidation Service to apply for your Consolidation Loan. Apply now and reduce your debt by as much as 52%.
	Your loan payments are current
	You have not previously applied for loan consolidation
	You have a total of at least $10,000 in eligible, federally guaranteed, student loans
With many programs, you will:
	Pay no fees of any kind
	Receive a rate reduction if you are a recent graduate
	Receive an initial 12 months-no payment option
	Have no penalties for early repayment
	Have no credit check
	Have a single, low monthly payment

How it works
Consolidation of student loans is easy partly because student loans are guaranteed by the United States Government. As long as you are not in default on any of your loans, and your balance exceeds $10,000, you are eligible to consolidate with a private company one time. Student loan consolidation services generally involve no fees from you because the company will receive subsidies from the government. Furthermore, your interest rate will be locked in to whatever the interest rate is at the time of consolidation. If you have loans with several different interest rates, they will be calculated on the basis of the current rate and then averaged to give you a fixed rate on your consolidation loan.

If you have already consolidated some student debt with a private company, and have taken additional student loans, you may still be eligible to consolidate with the Department of Education. This is called "re-consolidation" (not refinancing) and does not change the interest rate that you locked in with the first consolidation loan.

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