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  iHELP Student Loan Consolidation

iHELP Student Loan Consolidation

in Student Loan Refinancing from iHELP

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iHELP Student Loan Consolidation

Unaffiliated

in Student Loan Refinancing from iHELP

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Highlights
Highlights
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. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.

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.

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Availability

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

Feature Breakdown

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

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