Student loans come in a few varieties. There are loans for parents, federal loans for students both current and future, as well as private and federal consolidation loans for graduated students who would like to manage their student debt in the best manner possible.

Federal Consolidation Loans
After graduation, consolidation loans can help ease the burden of repayment by bundling all your student loans into a single loan with one lender and one repayment plan. Students and parents are each eligible for student loan consolidation, and you can lower your monthly payment burden by as much as 60%.

Private Consolidation Loans
If you've already consolidated your federal education loans at a rate of 8.25% or higher, you may be able to refinance again to lower your payments even further. Or you can save hundreds of dollars by combining your federal consolidation loan and private education loans into a single, new loan with one monthly payment.

Federal Parent PLUS Loans
Federal PLUS Loans are the easy, affordable way for parents to borrow up to the total cost of college attendance. PLUS Loans are not a need-based loan - almost everyone qualifies for this federally insured loan program.

Federal Stafford Loans
A Stafford Loan is one of the most affordable ways to pay for school. Stafford Loan rates are lower than other forms of consumer financing, and repayment is postponed until you are out of school.

Private Education Loans
If federal aid doesn't cover the total cost of your education, you can still get the money you need. Private loans are unsecured, credit-based loans available to students for tuition and fees, living expenses, supplies, computers and other every day living expenses.

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