Apart from the reduced monthly payments you will enjoy by consolidating, Affinity Direct offers one of the most rewarding borrower benefit packages available. You can receive our 1.0% Cash Reward benefit upon proof of making your first three (3) initial, consecutive, on-time monthly payments on your new federal consolidation loan.

When choosing to consolidate your federal student loans, the most important part of your decision should be lowering your monthly payments. Omnis Student Loans offers outstanding customer service to exceed all your educational financing needs.

Lock in a fixed interest rate. You may potentially save thousands of dollars over the life of your loan by locking in a fixed interest rate. Learn more about locking in a fixed interest rate.

Save an additional 0.25% with ACH Payments.* Never write another check or worry about late payments again. Having your payments automatically deducted from a personal bank account makes paying your student loans easier. And when you sign up for ACH payments, we will automatically lower your interest rate 0.25%.

Take advantage of tax-deductible interest. Student loan interest may be tax-deductible which lowers your cost of borrowing even more. Visit www.irs.gov/taxtopics/tc456.html or contact your tax advisor for more information. Consolidate your student loans and you may lower your debt to income ratio.