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(A 20-year repayment term is available when the consolidation loan amount is ,000 or more) Variable interest rates are based on an Index, plus a margin.

The APR for a variable rate loan may increase during the life of the loan if the index increases. Rates are current as of 07/24/2019 and subject to change without notice.

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You can sign online or print out to sign and upload, fax or mail.

You’ll receive a final loan disclosure once all documents are signed.

Consolidating your federal and/or private student loans with Wells Fargo may help you take control of your finances by creating a single private loan with a new interest rate, one monthly payment, and a new repayment term of your choice.

A single eligible loan can also be refinanced with the You can include federal and/or private student loan debt from Wells Fargo or another lender, including: Federal Direct loans, Federal Stafford Loans (subsidized and unsubsidized) and Federal PLUS loans.

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.

Actual APR based on repayment term selected and the creditworthiness of you, and of your cosigner, if applicable.

Repayment terms options may include 5, 7, 10, 15 and 20 years based on the amount of your loan and the credit qualifications of you, and your cosigner, if applicable.

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.

Keep in mind that your actual interest rate may vary as it will be determined by several factors when you apply.

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