Total Higher Education

A nonprofit lender

Federal Loan Consolidation

See estimates of the current interest rate, monthly payment options and the associated total loan cost for the federal loans that you want to consolidate.

Please see the Loan Consolidation Program Features for more information regarding federal loan consolidation specifics.

Instructions
Step 1
  1. Enter the interest rate and current balance for each of your student loans.
  2. Uncheck the Include In Consolidation checkbox if the loan will not be part of your consolidation loan.
  3. Click Add Loan to add a loan to the list and repeat the process to add additional loans.

Step 2

After all loans have been entered, review for accuracy,.


Step 3

Select a repayment term, then click Calculate to see details on monthly payment options and total loan costs.


Step 4

Review consolidation payment schedule. You can modify the results by adding or deleting loans from the loan list or selecting a different repayment term and clicking on the Calculate button.

Important Notes

It is important to enter all your student loans (including private/commercial/alternative loans) into the calculator. The length of your repayment depends on the sum of your consolidation loan and the amount of your other education loans.

Please see the Loan Consolidation Program Features for more information regarding federal loan consolidation specifics. T.H.E. does not currently offer Federal Loan Consolidation.

Note: The sum of the other education loans used to set your repayment term may not exceed the amount of your consolidation loan.

Step 1 of 4
Enter loans

Step 2 of 4
Review loans to consolidate

Step 3 of 4
Number of months for repayment

120 months 144 months 180 months
240 months 300 months 360 months
Step 4 of 4
Review consolidation payment schedule

Calculation is currently invalid. Please, Re-Calculate.
Note: Federal Regulations require a $50 minimum monthly payment for any account (loan type specific). All calculations are based on loan amount and full repayment term.
To see your monthly payment obligation and total loan cost options without consolidation use the Repayment Strategies calculator.
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