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Below we've ranked the leading student loan refinancing companies. It is free to apply, and the process usually takes about 15 minutes.You may now have a general idea of how to refinance student loans and how to consolidate student loans, as well as the basics of what each lender offers, but there is much more information you should know before choosing a lender.

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Consolidating your federal loans through the Department of Education is free; steer clear of companies that charge fees to consolidate them for you.

When you consolidate federal loans, your new fixed interest rate will be the weighted average of your previous rates, rounded up to the next ⅛ of 1%.

He is passionate about all things tech and knows the Internet and computers like the back of his hand.

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For more information on student loan consolidation, see our page here.

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