After College

After college, many students have questions about what to do with their student loans. Most students don’t have as much time to research federal consolidation because they are busy securing a job, place to live and just obtaining overall lifestyle security. Many students think that federal consolidation is just a time consuming headache, and continue to put it off. In reality, federal consolidation is an easy process. It can all be done online with our no hassle Electronic Signature feature. Variable Interest Rates are on the rise and you can lock into your current low rates, and reduce your monthly payments by up to half. The lower payment means you can apply more money to other expenses, such as high interest credit cards. Because there is no prepayment penalty, every dollar above your low minimum payment goes directly to the principle of your loan. This means you could pay your loan off years earlier. There is no fee, no credit check, and no complicated paperwork!

With PCFS, all you will need to do is listen, answer a few easy questions, and sign the application; PCFS will do the rest. If you don’t want to talk with our loan specialists, then you can fill out your own application online. With our easy walkthrough, you can do it all on your own, and we would take it from there. By consolidating, your deferment and forbearance rights will start over, that means six years total non-payment. In many cases, your credit rating will increase. We are proud to be recognized as a customer service leader in our industry.