No longer enrolled more than half time in school.

In repayment or in a loan grace period. (normally 6 months after leaving school)

Have not previously consolidated your loans.

There are differences in the program benefits so be sure to ask about any special offers that may be available.

For example:

Is there a discount for auto-debit of your payment?

Are there any on-time payment discounts?

The two I general recommend both have online applications and can get you approved pretty quickly. Chase Bank, student loan consolidation program can be reached through http://www.usadegrees.com/consolidate/ Student Loan Advisors can be found at http://www.StudentLoanAdvisors.com

By law there are no application fees, so you can try as many as you’d like and determine who has the best offer for you.

For both loans and consolidations you can try:

http://financialaid.com – federal and private loans, consolidations

http://finfo.com – get up to four offers from banks, no obligation

http://nextstudent.com – student loans and consolidations

You can also check out salliemae, but I’ve heard of a few people who’ve had a hard time with them. Also, check with Wells Fargo, I’ve heard that they’re a pretty big student lender.

Good luck!

My loans are now through Sallie Mae, and I’ve had a great experience with them. I believe they consolidate as well.