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Hello, and welcome to EdFed.

EdFed is dedicated to assisting students and graduates with financing their college expenses and managing their education loans. We specialize in education lending, and we are dedicated to ensuring your loans are handled professionally while offering you money-saving benefits.

If you graduated in 2025, or if you will be graduating within the next few months, we would like to congratulate you for obtaining your hard-earned degree. Also, we would like to provide you with some very important information regarding federal student loan consolidation. You must consolidate during your grace period to avoid an interest rate increase of 0.60%. If you wait until your grace period ends, your interest rate will automatically be 0.60% higher. When you consolidate during your grace period, you will have no payments due until your grace period has ended. You have nothing to lose. There really is no reason to pay this higher rate on your federal student loans!

With student loan consolidation, you can lock in a low, fixed interest rate for the life of your loan--and there are no fees, credit checks, income verifications, or prepayment penalties. This will help you reduce your monthly payments by nearly 50% and save you thousands of dollars over the life of your loan.

EdFed can also help you save money with our extended repayment terms of up to 30 years, and flexible repayment options that you can choose from to best suit your financial needs!

Applying for federal loan consolidation is easy. Click on the "Start Here" button, or contact one of our loan specialists at the number shown. Our loan specialists will be able to answer all of your questions about interest rates and payment amounts, as well as assist you through each step of the application process. We are committed to ensuring your consolidation goes quickly and smoothly.

Some of the rules for consolidation have changed recently. Now, you must have at least $20,000 in eligible federal loans, and you cannot be enrolled in school more than half-time. In-school consolidations have been eliminated, but single-lender consolidations are now allowed. If you have been told in the past that you must consolidate through the lender holding your Stafford loans, you may now choose any lender to handle your consolidation.

At EdFed, we're devoted to getting you the most up-to-the-minute information possible on legislation that could affect your student loans and how much you pay for them.

Sign up for our free newswire to get accurate and timely information delivered straight to your inbox. You can also sign up to receive periodic text messages when the laws change.

Thanks for choosing EdFed! We look forward to helping you save money on your student loans!

Student Loans
Students

Learn everything you need to know about paying for school, and find the best loan for your needs.
 Graduates Student Loans
Graduates

Consolidate with EdFed, and save thousands of dollars over the life of your loan.
 Parents Education Finances
Parents

Find out how EdFed can help you finance 100% of your family's education costs.
 Schools Loans
Schools

Discover EdFed's commitment to facilitating the education financing process.
How EdFed Helped others!
When I was comparing lenders to consolidate my student loans I really looked at customer service. I was impressed that EdFed offered me my own loan counselor so I was able to speak with the same person every time I called. This was what persuaded me to go with EdFed and boy am I glad I did.
- Samantha D.  Miami, FL
Scary stories of what could happen if you choose another lender!
I had consolidated my federal student loans with Sallie Mae, thinking that going with a large company would be my best option. I could not have been more wrong! Anytime that I had a question about my loan I would end up on the phone for hours just waiting to talk to an actual person. One day, while I was at work, my boss caught me on the phone waiting to talk to a Sallie Mae representative. He wrote me up for being on the phone for personal matters too long! People shouldn't have to set aside a whole day to wait on the phone just to have a question about your loan answered! Thanks to Sallie Mae's horrible customer service, my job was on the line! There was another time that I had a question about my payment, but after 45 minutes of waiting, I hung up. I never got through to speak to a li...

- Mark K.  Milwaukee, WI
LOOK WHAT OTHERS SAVED!
Congratulations!

Richard C. from Virginia saved $5,515 in unnecessary interest.

James C. from Colorado saved $912 each year.

Ryan B. from Tennessee saved $10,266 in unnecessary interest.

Robert R. from Virginia saved $221 on his monthly payments.

Christopher W. from Texas saved $35,589 in unnecessary interest.

Joshua D. from Georgia saved $1,440 each year.

Christopher H. from Michigan saved $485 on his monthly payments.

Samuel R. from Washington, D.C. saved $11,355 in unnecessary interest.

Charles L. from Missouri saved $272 on his monthly payments.

Patricia P. from Texas saved $31,525 in unnecessary interest.

Crystal P. from Washington saved $3,864 each year.

Erin P. from Washington, D.C. saved $7,823 in unnecessary interest.

Charles G. from Alabama saved $299 on his monthly payments.

Ryan M. from New York saved $996 each year.

Travis W. from Illinois saved $4,896 in unnecessary interest.

David K. from Louisiana saved $200 on his monthly payments.

Peter E. from Minnesota saved $3,432 each year.

Emily S. from Illinois saved $23,521 in unnecessary interest.

Scott B. from Ohio saved $415 on his monthly payments.
CURRENT RATES
PLUS Loans
- 8.5%
More
Stafford Loans
- 6.8%
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Consolidation Loans
- as low as 6.75%
(in grace)
More
* The final fixed interest rate for your federal loan consolidation loan is calculated as the weighted average of the interest rates on the loans being consolidated rounded up to the nearest one-eighth of a percent. Your exact monthly payment reduction may vary depending on your loan. EdFed Financial reserves the right to modify, expand or discontinue this offer at any time without notice.
EdFed is a FFELP lender with lender identification number 834241.
© Copyright 2025 EdFed. All Rights Reserved.

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