This site publishes sourced data on U.S. student loan consolidation and refinancing. Each article answers a question borrowers keep asking in forums without getting a sourced answer: who actually gets approved for a refinance, what a consolidation does to a PSLF count, what applying does to a credit score, and which way out of default holds up.
Who writes it
Articles are researched and written by Ben-G, who compiles the figures from lender filings, Federal Student Aid publications, the Federal Register, Federal Reserve and CFPB research, and court records. You can reach Ben-G through LinkedIn.
How the articles are built
- Every number links to the document it came from, and the article lists all sources at the end.
- Each article has a methodology section that says how the figures were gathered and which steps could not be completed.
- Figures restated by an aggregator rather than published by the original source are marked as secondary; disputed figures are marked as contested; calculations we did ourselves are labelled as ours.
- Articles show the date of their last update and are revised when the underlying rules or reports change.
What this site is not
We are not a lender, a loan servicer or a debt-relief company, and we are not affiliated with the U.S. Department of Education or Federal Student Aid. We do not take loan applications or charge fees. Nothing here is financial, legal or tax advice; see our editorial policy and disclaimer.
Corrections
If you find an error or a newer figure, message Ben-G on LinkedIn with the page and the source. Confirmed corrections are made on the page and noted in its update date.