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Once you apply, a private student consolidation loan application usually takes 45 – 60 days to process.

For information about Health Professions Loan and Nursing Loan cancellation, see your promissory note. You can request a paper application by calling 1-800-557-7392.If financial hardship makes it difficult to remain current on the loan payments, we encourage you to talk to us to see what options are available.Variable interest rates are based on market conditions, so if market rates go up, so do your interest rate and monthly payments.Fixed interest rates stay the same over the life of the loan. Your interest rate will be determined by several factors when you apply, most importantly your credit history and that of your cosigner, if applicable.Your interest rate options will be presented to you during the application process, at which point you can choose between a specific variable interest rate and specific fixed interest rate.

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