Ready to start saving money? We work in combination with a lot of different lenders to provide you with the best rates and repayment options. Remember to have your both your private & federal student loan statements available. When you apply, the lender takes into consideration your credit score, annual income (and potential co-signer if applicable), savings, and college degree. If you meet these requirements, you might be an excellent candidate for student loan refinancing and consolidation! If you think you come up short in any of these requirements, don’t worry as you can apply with a cosigner to increase your chances of getting approved for a student loan consolidation.