Private Access Consolidation
Private Access Consolidation
Program Guidelines and Eligibility 
Students must have all private loans through The Access Loan Program
Loans must be in repayment status
$7,500 minimum loan .
Loans must be under 45 days delinquent
Other Product Features
Term may extend up to 30 years
No Grace Period - payment begins immediately upon consolidation
No pre-payment penalty
Interest Rate CalculationInterest rate varies quarterly, based on the same formula as the loans being consolidated
Fees1% Loan Fee is added to the principal balance at disbursement
Repayment Options
Level: Equal monthly payments of principal and interest for the life of the loan
Select 2: Interest only payment for first 2 years of repayment
followed by principal and interest for the balance of the loan term
Select 5: Interest only payment for first 2 years of repayment, followed by 3 years of partial principal and interest payments, then full payments
Modified Graduated Repayment Schedule: Payments for first 12 months are equal to 50% of the level installment; the next 12 months are equal to the 31-day interest accrual at the current balance; beginning with the third year, payments return to level.
Grace period: None
Loan Repayment
Repayment begins immediately upon disbursement
No prepayment penalties
Repayment TermsBased on the total loan balance being consolidated:$7,500 - $19,999 = 25 years$20,000 and above = 30 years
Loan Disbursement Paid to creditor
How to Apply:
Call 1-866-876-3613 to speak to a counselor who will answer your consolidation questions and complete your application over the phone.
What Happens After You Apply:
After you have reviewed the application, sign it, choose your repayment option and return it to AES Graduate and Professional Services.
AES Graduate and Professional Services will process your application within 30-45 days of receipt.
When your private loans are paid in full, through consolidation, a disclosure statement and repayment schedule will be forwarded to you.
$7,500 minimum loan amount
Loans must be under 45 days delinquent
Other Product Features
Term may extend up to 30 years
No Grace Period - payment begins immediately upon consolidation
No pre-payment penalty
Interest Rate CalculationInterest rate varies quarterly, based on the same formula as the loans being consolidated
Fees1% Loan Fee is added to the principal balance at disbursement
Students must have all private loans through The Access Loan Program
Loans must be in repayment status
$7,500 minimum loan .
( I Will Show Youamount
Proof! - Work at Home Only 1hr A Day )
Loans must be under 45 days delinquent
Other Product Features
Term may extend up to 30 yearsNo Grace Period - payment begins immediately upon consolidation
No pre-payment penalty
Interest Rate CalculationInterest rate varies quarterly, based on the same formula as the loans being consolidated
Fees1% Loan Fee is added to the principal balance at disbursement
Repayment Options
Level: Equal monthly payments of principal and interest for the life of the loan
Select 2: Interest only payment for first 2 years of repayment
followed by principal and interest for the balance of the loan term Build muscle and shed fat
Select 5: Interest only payment for first 2 years of repayment, followed by 3 years of partial principal and interest payments, then full payments
Modified Graduated Repayment Schedule: Payments for first 12 months are equal to 50% of the level installment; the next 12 months are equal to the 31-day interest accrual at the current balance; beginning with the third year, payments return to level.
Grace period: NoneLoan Repayment
Repayment begins immediately upon disbursement
No prepayment penalties
Repayment TermsBased on the total loan balance being consolidated:$7,500 - $19,999 = 25 years$20,000 and above = 30 years
Bring Back A Lost Love!
Loan Disbursement Paid to creditor
How to Apply:
Call 1-866-876-3613 to speak to a counselor who will answer your consolidation questions and complete your application over the phone.
What Happens After You Apply:
After you have reviewed the application, sign it, choose your repayment option and return it to AES Graduate and Professional Services.
AES Graduate and Professional Services will process your application within 30-45 days of receipt.
When your private loans are paid in full, through consolidation, a disclosure statement and repayment schedule will be forwarded to you.
$7,500 minimum loan amount
Loans must be under 45 days delinquent
Other Product Features
Term may extend up to 30 years
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No Grace Period - payment begins immediately upon consolidation
No pre-payment penalty
Interest Rate CalculationInterest rate varies quarterly, based on the same formula as the loans being consolidatedFees1% Loan Fee is added to the principal balance at disbursement
Repayment options
Level: Equal monthly payments of principal and interest for the life of the loan
Select 2: Interest only payment for first 2 years of repayment followed by princip
al and interest for the balance of the loan term
al and interest for the balance of the loan termSelect 5: Interest only payment for first 2 years of repayment, followed by 3 years of partial principal and interest payments, then full payments
Modified Graduated Repayment Schedule: Payments for first 12 months are equal to 50% of the level installment; the next 12 months are equal to the 31-day interest accrual at the current balance; beginning with the third year, payments return to level.
Modified Graduated Repayment Schedule: Payments for first 12 months are equal to 50% of the level installment; the next 12 months are equal to the 31-day interest accrual at the current balance; beginning with the third year, payments return to level.
Grace period: None
Loan RepaymentRepayment begins immediately upon disbursement
No prepayment penalties
Repayment TermsBased on the total loan balance being consolidated:$7,500 - $19,999 = 25 years$20,000 and above = 30 years
Loan Disbursement Paid to creditor
How to Apply:
Call 1-866-876-3613 to speak to a counselor who will answer your consolidation questions and complete your application over the phone.
What Happens After You Apply:
After you have reviewed the application, sign it, choose your repayment option and return it to AES Graduate and Professional Services.
AES Graduate and Professional Services will process your application within 30-45 days of receipt.
Love of Your Life !!
When your private loans are paid in full, through consolidation, a disclosure statement and repayment schedule will be forwarded to you.
$7,500 minimum loan amount
Loans must be under 45 days delinquent
Other Product Features
Term may extend up to 30 years
No Grace Period - payment begins immediately upon consolidation
No pre-payment penaltyInterest Rate CalculationInterest rate varies quarterly, based on the same formula as the loans being consolidated
Fees1% Loan Fee is added to the principal balance at disbursement
Repayment Options
Level: Equal monthly payments of principal and interest for the life of the loan
Select 2: Interest only payment for first 2 years of repayment followed by principal and interest for the balance of the loan term
Select 5: Interest only payment for first 2 years of repayment, followed by 3 years of partial principal and interest payments, then full payments
Modified Graduated Repayment Schedule: Payments for first 12 months are equal to 50% of the level installment; the next 12 months are equal to the 31-day interest accrual at the current balance; beginning with the third year, payments return to level.
Grace period: None
Loan Repayment
Repayment begins immediately upon disbursement
No prepayment penalties
Repayment TermsBased on the total loan balance being consolidated:$7,500 - $19,999 = 25 years$20,000 and above = 30 years
Loan Disbursement Paid to creditor
How to Apply:
Call 1-866-876-3613 to speak to a counselor who will answer your consolidation questions and complete your application over the phone.
What Happens After You Apply:
After you have reviewed the application, sign it, choose your repayment option and return it to AES Graduate and Professional Services.
AES Graduate and Professional Services will process your application within 30-45 days of receipt.
When your private loans are paid in full, through consolidation, a disclosure statement and repayment schedule will be forwarded to you.
