iHELP Student Loan Consolidation
iHELP Student Loan Consolidation
in Student Loan Refinancing from iHELP

iHELP Student Loan Consolidation

in Student Loan Refinancing from iHELP
Not enough votes for recommendation

Not enough votes for recommendation

Explore a similar product
Try this top product in Student Loan Refinancing.
Splash Financial Student Loan Refinance
Splash Financial Student Loan Refinance 33 reviews
Loan Amount $1,000 - $150,000
Loan Term (Years) 10 - 20 years
Fixed APR 6.21% - 9.75%
Variable APR 3.3% - 7.89%

iHELP Student Loan Consolidation Review

iHELP Student Loan Consolidation is a student loan refinance offering by iHELP, . Founded in 1978, iHELP offers student loan refinancing in 50 states (and Washington, DC).

iHELP Student Loan Consolidation FAQ

What APRs does iHELP Student Loan Consolidation offer on its student refinancing loans?

The range of APRs you qualify for when refinancing a student loan vary widely by lender and will depend on your creditworthiness and the type of loan you choose. Loans with fixed rates will typically have higher APRs than loans with a variable rate. 

iHELP Student Loan Consolidation offers variable rate APRs that range from 3.3% to 7.89%.
Borrowers who choose a fixed-rate refinancing loan can expect APRs that range from 6.21% to 9.75% APR.

You can choose to buy down your rate by purchasing discount rates. This is similar to paying mortgage points on a home loan. Typically, it only makes sense to pay this fee if you aren't planning to refinance your student loans again in the forseeable future. If you refinance your student loans after just a few years, the cost of the fee will probably outweigh the savings from the lower interest rate.

How much can you borrow via iHELP Student Loan Consolidation?

Loan amounts start at $1,000 and go up to $150,000

Does iHELP Student Loan Consolidation charge an origination fee?

No, iHELP Student Loan Consolidation does not charge a loan origination fee.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does iHELP Student Loan Consolidation charge prepayment fees?

Yes, iHELP Student Loan Consolidation charges additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment fees can reduce or even cancel the interest savings of repaying a loan early.

What terms does iHELP Student Loan Consolidation offer?

iHELP Student Loan Consolidation provides refinancing loans of 10 to 20 years.

What type of borrowers will iHELP Student Loan Consolidation consider?

iHELP Student Loan Consolidation considers loans applications from:

  • undergraduate degree holders
  • graduate degree holders

What do you need to qualify for iHELP Student Loan Consolidation?

iHELP Student Loan Consolidation does not require or does not disclose a credit score minimum.

iHELP Student Loan Consolidation does not have or does not disclose a minimum annual income eligibility requirement.

What is the estimated funding time for a student loan refinance via iHELP Student Loan Consolidation?

iHELP Student Loan Consolidation will typically provide a credit approval decision in less than an hour and fund the loan within 7 to 14 days.

SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


Other Services by iHELP


  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Interest Grace Period for Late Payment 6 days
No Origination Fee
Optional Discount Points
Origination Fee (%) 0% - 3%
Cosigner Optional
Funding Time Range 7 - 14 days
Fixed APR 6.21% - 9.75%
Loan Amount $1,000 - $150,000
Variable APR 3.3% - 7.89%
Loan Term 10 - 20 years

Be the first to rate


Would you recommend iHELP Student Loan Consolidation to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Student Loan Refinancing