Student Loan Consolidation Rate.If you have at least $9,500 in federal student loans, companies can help to put more money in your pocket now by reducing your monthly payments and locking in a low Student Loan Consolidation rate for the life of the loan. The student loan consolidation rate is calculated as the weighted average rate of the current rates charged on the loans being consolidated, rounded up to the nearest one-eighth of a percent. This means the rate you'll pay won't be more than one-eighth of a percent more than the effective rate on your individual loans.



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