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Private education refinance loans are variable or fixed interest rate loans offered by banks, credit unions, and state agencies which allow borrowers to combine their outstanding federal and private student loans into a single new loan.

Your repayment term will generally start within 60 days of when your consolidation loan is first disbursed and will be based on your total federal student loan balance, among other factors; click on the link below for more details.

[Back to top] Applying for consolidation takes most borrowers less than 30 minutes, according to the Federal Student Aid website.

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