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Student Accounting Hours
Effective December 1, 2009 Student Accounting service hours will be 10:00 a.m. to 4:00 p.m., Monday thru Friday.

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Loan Consolidation Information

How To Apply

Consolidation can be done through the Department of Education or a private lending institution. The university does not endorse any particular consolidator; it is the borrower's responsibility to determine which is best for them. By using the online calculator that is available at most consolidator's Web sites, you can determine which one may offer the lowest interest rate.

For information about loan consolidation through the Department of Education, please visit the Federal Direct Consolidation Loan Web site. You can use their interactive loan calculator to find out how much your monthly loan consolidation payments will be. Use the calculator with and without your Federal Perkins Loans to determine if your monthly payment will be reduced and which option would be more cost effective. Please note that if you consolidate your Federal loans, you will lose any cancellation benefits (i.e., Teacher, Volunteer, Law Enforcement forgiveness benefits) that may apply for certain occupations.

Once a loan consolidation application has been received, the lender will verify the outstanding balances from loans that the student has requested to be consolidated. They will then send out information regarding the successful completion of the consolidation, the interest rate, amount owed, etc.

Once you have successfully consolidated your educational loans and locked in a fixed lower interest rate, you have a 180-day window to include additional loans in your consolidation package.

Completing a request to consolidate loans does not commit you to going through with the consolidation. You will be required to sign a final consolidation promissory note. It is important that you review your loan consolidation paperwork carefully to be sure all of your loans are included. The consolidation process isn't final until you complete, sign and return this paperwork.