Consolidating citi bank student loans
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Two great ways to lower your interest rate Learn more about student loan discounts.
Discounts reduce the amount of interest you pay over the life of the loan.
The automatic payment discount may not change your monthly payment amount but may reduce the number of payments or reduce the amount of your final payment. Variable interest rates are based on market conditions, so if market rates go up or down, so may your interest rate and monthly payments.
See general rate examples – Our basic calculator shows rate and payment range estimates and requires no personal information.
Interest Rate Discounts: Discount eligible during application: You may qualify for a relationship interest rate discount if you or your cosigner (if applicable) has any of the following with Wells Fargo prior to your Final Loan Disclosure being issued: The quoted Annual Percentage Rate (APR) with discount includes a customer interest rate discount of 0.25% for having a prior student loan with Wells Fargo or a qualified Wells Fargo consumer checking account and requires a 5-year term. Repayment term options may include 5, 7, 10, 15 and 20 years based on credit qualifications.
We make it easy to get your personalized rate and payment estimates with no impact to your credit score.
Refinancing offers a new interest rate as well as options to potentially lower your monthly payment or pay off your loan faster to reduce the interest paid over the life of the loan.
Keep in mind that if you reduce your monthly payment by extending your repayment term, you may pay more interest over the life of the loan.
Alternatively, if you choose a shorter repayment term than your current loans, your monthly payments may increase, but the total amount you pay may be less over the life of the loan.
Some borrowers will need a cosigner for this loan to meet the loan credit requirements. Borrowers that qualify on their own do not need a cosigner but may still choose to apply with a cosigner.