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It's likely that amount is spread out over several loans as students often take out new loans each semester or school year.

Each lender has its own specific underwriting criteria, so you may have a higher chance of approval at certain lenders.

You can find each lender below, along with information on rates, terms, and other key details. But remember, lowering your monthly payments could mean that you end up paying more in interest overall.

Student loan consolidation: Consolidation is the process of combining your government loans so that you can make a single monthly payment.

With an average balance of ,400, student debt is a big part of the average college graduate's life.

At Lend EDU, we help borrowers compare the top student loan companies in one place.

Search for refinancing and consolidating:

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We put together this guide to help you get information on all of the top student loan refinance lenders without having to jump around multiple websites.

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