Best rates for consolidating college loans


The Pay As You Earn Repayment Plan (PAYE) is very similar to the IBR Plan.

With PAYE, you will not pay more than 10% of your discretionary income, and your loan will also be forgiven after 20 years.

The APR and payment will increase after you have obtained credit if automatic payment is discontinued. Interest only payments for a term based on a 10 year draw period and a 10 year repayment period.

The APR without automatic payment deduction is Prime 0.00%.

You can sign up for these programs for free at Student

If you want help, we recommend Ameritech Financial, a company I’ve personally vetted.

If you have loans from July 1, 2014, you payment will not be higher than 15% of your discretionary income.




Unlike PAYE, which was available for loans taken out after 2007, Re PAYE is open to all Direct Loan Borrowers, regardless of when the loan was taken out.This is made possible by consolidating your high-interest card balances into one monthly payment at a fixed rate and term.


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