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Get more time to repay
Many borrowers take out their original private student loans on a standard 10- or 15-year repayment term. Consolidating those private student loans gives you up to 30 years to repay and could cut your monthly payments by as much as 45 percent.*
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 or pay off high-interest debt like credit cards, which could save you hundreds on interest charges.
H.E.L.P. - FAQs
Q: What do you mean by "Consolidation is student loan repayment made easy"?

A: After four-plus years of college, many students end up with multiple private student loans with different interest rates and various monthly payment amounts. With multiple loans, you have multiple bills, multiple due dates to keep track of, and multiple payments to make each month.

Consolidation simplifies your student loan repayment by combining all your eligible student loans into one convenient loan with one low interest rate and one easy-to-pay monthly bill.

Q: What products and services does H.E.L.P. offer?

A: H.E.L.P. is your one-stop shop for private student loan consolidation. We’re experts in consolidation and can give you all the information you need about student loan consolidation.

Our H.E.L.P. advisors are tops in their field. They’re dedicated to helping borrowers consolidate their student loans and will use their knowledge and skills to guide you through the consolidation process, step-by-step.

We’re committed to getting you the lowest possible rate on your Private Consolidation Loan, and we provide:

  • Top-quality support and the information you need to consolidate all your outstanding private student loans.
  • Quick solutions for your private student loan consolidation needs.
  • All the tools you need to estimate your new monthly payment at your fixed consolidation rate.

Q: Is it difficult to consolidate?

A: Not at all! There are no application fees, and over 40 percent of our customers are approved without a co-signer. If you have outstanding private student loans, you’re ready get started.

Just fill out our simple online application, and you’ll be done in minutes — no being put on hold on the phone, no waiting for your application to work its way through the mail. Our no-hassle online application process is fast, easy, and secure.

* 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.