Combine and conquer. And save, too

Take control of your student loans by combining them into one low-rate loan with payment terms that work for you. Get started by applying online or call 877-519-7504.

Alliant Credit Union Student Loan Consolidation
The Run Down
  • Both private and government loans are eligible
  • Consolidate up to $100,000 in graduate and undergraduate student loans
  • Repayment terms up to 25 years
  • No prepayment penalties. Reduce your interest by paying early
3.50 %
As Low As
300 mo. Max Term
Student Loan Consolidation

Annual Percentage Rate (APR) is variable and subject to increase after consummation.53

Bank on the Go!

Our mobile app gives you access to your Alliant Account in the palm of your hand.

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Why should I consolidate my student loans?

Alliant is a not-for-profit credit union, so we’re not interested in taking your money with excessive interest rates. We’re here to help you tame your student debt by combining all your loans into one loan with fixed, low monthly payments.


There will only be one monthly payment to manage, instead of multiple payments with different due dates

Lower payments

Consolidating higher rate loans into one lower fixed rate loan as low as 6% APR can save you thousands of dollars over the life of your loan

Favorable terms

We offer terms that can help match your payment to your budget. Plus, you can always make additional payments without penalty to reduce your interest

Do I qualify for Alliant Credit Union Student Loan Consolidation?

You can qualify for Alliant Credit Union Student Loan Consolidation if you meet two simple criteria:

  1. You’ve been employed with your current employer for two years.
  2. You or your cosigner have an income of at least $40,000 per year.
Add a cosigner

Adding a cosigner to your student loan consolidation may improve your chances of qualifying and help you get an even lower interest rate.

Consolidation Student Loan Rates

3.50 %
As Low As
300 mo. Max Term
Student Loan Consolidation

Let Me Know When Alliant Rates Gets Even Better

Student loan consolidation fees

Duplicate Release Fee - Fixed Only $25
Amortization Report - Fixed Only $15
Financial Counseling and Budgeting Services Free
eStatements (electronic account statements) Free
Consumer Loan Application Free
Consumer Loan Modification Free

Consolidation Student Loan FAQs

Why should I consolidate my government loans? Are there any risks?

Consolidating your loans will simplify your finances and likely save you money long-term. However, you will give up some protections that come with government loans. Please speak with your loan advisor to discuss the best option for you.

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