Combine your existing federal loans into a new loan with a single, low monthly payment, a fixed interest rate and an extended repayment period. To consolidate, your existing loans do not have to originate through Wachovia. You can consolidate loans from different lenders. And if you only have one eligible loan, or if you're currently in school, consolidation is still an option.

Quick Facts

Cut your monthly payments
One simple monthly statement
Consolidate loans from different lenders
Lock in a fixed rate for the life of your loan

Choose a Federal Consolidation Loan from Wachovia and you can enjoy:

* A reduced monthly payment
* Electronically sign your application in minutes
* No minimum balance requirement
* Flexible repayment options
* No penalty for paying this loan back early
* Fixed interest rate for the life of your loan