Get more time to repay
 Many borrowers take out their original federal student loans on a standard 10-year repayment term. Consolidating those student loans could give you up to 20 more years to repay and could drop your monthly payments by as much as 50 percent.
When you consolidate through H.E.L.P., you get affordability and breathing room, which can help make all your other monthly bills easier to handle.
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H.E.L.P. Contact Information
Higher Education Loan ProvidersP.O. Box 43737Phoenix, AZ 850801-800-831-8159
Keep more money each month.
 When you’re able to extend your repayment term and lower your monthly student loan payments by consolidating through H.E.L.P., you can use the extra money you have each month to build up savings, make the important purchases you need now, or pay off high-interest debt like credit cards, which could save you hundreds on interest charges.
* In the first year of repayment. Your actual payment reduction may vary and will depend on your qualifying interest rate, repayment plan, and the terms of your loans. Although a Private Consolidation Loan may allow you to reduce your monthly payments by extending your repayment term and/or allowing you to initially make interest-only payments, the total cost of your loan may be higher due to (1) the interest accruing over a longer period of time and/or (2) interest accruing on a principal balance that isn’t initially being paid down. You may choose to pay more than the interest-only payment amount and/or repay your Private Consolidation Loan in less than 30 years with no prepayment penalties.
† Co-signer not required provided the applicant meets minimal credit requirements.
‡ Interest-only payment option is available for the first two years (24 months) of repayment.
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