This is an opportunity for former students to save up to thousands of dollars on education loan repayments by obtaining a historically low FIXED interest rate Federal Consolidation Loan.

APTA has carefully selected EAS Group, LLC (EAS) and American Student Loan Consolidation Corporation (ASLCC) as the exclusive provider for the APTA Consolidation Loan Program.

As of July 1st, 2004, the lowest FIXED interest rates in history for Consolidation Loans (which pay off Stafford Student Loans, PLUS (parent loans) or Direct Student Loans) went into effect. By obtaining a Consolidation Loan now, you will be given a FIXED interest rate from approximately 2.875% to 4.25% depending on when your variable interest rate student loans were disbursed. Additionally, you may reduce the amount of your monthly student loan payments by as much as 50%. You may be able to consolidate your student or parent loans even if your loans were made, or serviced by other lenders. This includes Direct loans made to you by the U.S. Department of Education through your school.

By obtaining a Federal Consolidation Loan (which pays off Federal Direct Student Loans and/or Federal Stafford Student Loans) after July 1st 2004, students and former students will be given a FIXED interest rate from approximately 2.875% to 3.375% depending on when the VARIABLE rate Federal Direct Student Loans or Federal Stafford Student Loans were disbursed.

For those former students with Health Education Assistance Loans ("HEAL"), the APTA Consolidation Loan Program can provide a HEAL Consolidation Loan (which pay off unconsolidated HEAL loans or HEAL Consolidation Loans already obtained from another lender) with a significantly lower rate.

Parents that obtained Parent Loans for Undergraduate Students (“PLUS”) for the undergraduate years of their sons or daughters can also obtain a Federal Consolidation Loan. By obtaining a Federal Consolidation Loan (which pay off Federal Direct Parent Loans and/or Federal PLUS Parent Loans) after July 1st 2004, parents will be given a FIXED interest rate from 4.0% to 4.25% depending on when the VARIABLE rate Federal Direct Parent Loan and/or Federal PLUS parent loan was disbursed.

Call us at 1-800-741-4704 to find out if Consolidation is for you. Be sure to reference APTA.

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