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 STUDENT LOAN CONSOLIDATION PROGRAM BENEFITS
Fixed Interest Rate
Interest Rate Deductions
Locked Rates
No Prepayment Penalty
Automatic Debit Discount
Lower Monthly Payment
No Fees / No Costs
No Credit Check
Flexibility
Electronic Signature
17 Day Average Turnaround Time
One Monthly Bill
Improves Credit
Possible Tax Deduction
Refreshes Deferment / Forbearance Privledges
FIXED INTEREST RATEPeace of mind, your student loan consolidation monthly rate never increases.
INTEREST RATE DEDUCTIONSYou receive1% interest rate reduction for making your first 36 scheduled monthly payments on time. Saves overall interest cost. Once earned you are guaranteed the lower rate.
LOCKED RATES Rate is locked for the life of the consolidation loan. When in deferment or forbearance the on-time counter may go on hold.
NO PREPAYMENY PENALTYYou have complete control of how fast you payoff your consolidated student loan.
AUTOMATIC DEBIT DISCOUNTA .25% interest rate reduction on your consolidation loan for having your monthly payments automatically deducted from your checking / savings account saves even more on the overall interest cost.
LOWER MONTHLY PAYMENTExtra money in your pocket every month that you can use to pay off higher interest debt.
NO FEES / NO COSTSFREE, No out of pocket expense keeps more money in your pocket.
NO CREDIT CHECKIt makes qualifying easier so that you may still qualify even with less than perfect credit.
FLEXIBILITYYou can change your payment plan on your consolidation loan once a year. Choose from a variety of payment options.
ELECTRONIC SIGNATURESimplifies your consolidation by providing a secure signature process for returning your application.
17 DAY AVERAGE TURNAROUND TIMEApplication is sent pre-filled out immediately, processing moves rapidly after receipt of application so you can start saving sooner.
ONE MONTHLY BILLSaves you time, there is no hassle dealing with multiple bills and statements.
IMPROVES CREDITConsolidating your student loans lowers your debt to income ratio and may raise beacon score.
POSSIBLE TAX DEDUCTIONConsolidating your federal student loans may reduce your tax liability. (Check with your tax advisor for eligibility)
REFRESHES DEFERMENT / FORBEARANCE PRIVLEDGESBy consolidating your student loan may have 3 more years of deferment and 3 more years of forbearance available to you.
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EZ Graduate, Inc.
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