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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.View APR examples Calculate your rate and payment ranges by answering just 3 questions without any personal information.Two great ways to lower your interest rate Learn more about student loan discounts.Actual APR based on repayment term selected and the creditworthiness of you, and of your cosigner, if applicable.

We make it easy to get your personalized rate and payment estimates with no impact to your credit score.

Student loan consolidation borrowing limits Consolidating multiple student loans or refinancing a single private student loan may lower your monthly payment if you qualify for a lower interest rate or a longer repayment period.

Keep in mind that extending the repayment term may increase the total amount you pay over the life of the loan.

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.