{"id":19548,"date":"2018-12-24T15:19:58","date_gmt":"2018-12-24T23:19:58","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=19548"},"modified":"2022-05-13T06:20:12","modified_gmt":"2022-05-13T13:20:12","slug":"love-and-loans-consolidating-your-student-debt-together","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/refinance-student-loans\/consolidate-with-spouse\/","title":{"rendered":"Consolidating Student Loans With Your Spouse"},"content":{"rendered":"<p>More than 43 million adults in the U.S. have student loan debt, according to <a href=\"https:\/\/educationdata.org\/student-loan-debt-statistics\">EducationData.org<\/a> \u2014 so if you get married, there\u2019s a good chance that both you and your spouse will have student loan debt. Considering that the typical graduate has eight to 12 different loans, a married couple could have up to 24 loans to manage \u2014 which might make the idea of consolidating student loans with your spouse appealing.<\/p>\n<p>If you consolidate your debt, you\u2019ll end up with just one loan to manage and one monthly payment to remember. As of 2021, PenFed Credit Union is the only lender that allows couples to consolidate their loans together. But you do have other options.<\/p>\n<p><b>Here\u2019s what you should know about consolidating student loans with your spouse:<\/b><\/p>\n<ul>\n<li><a href=\"#can-you-consolidate-loans-with-spouse\">Can you consolidate your loans with your spouse?<\/a><\/li>\n<li><a href=\"#consolidation-vs-cosigning\">Spousal loan consolidation vs. cosigning your partner\u2019s loan<\/a><\/li>\n<li><a href=\"#refinancing-cosigner-release\">Refinancing with cosigner release<\/a><\/li>\n<li><a href=\"#refinance-student-loan\">How to refinance a student loan<\/a><\/li>\n<\/ul>\n<p><a name=\"can-you-consolidate-loans-with-spouse\"><\/a><\/p>\n<h2>Can you consolidate your loans with your spouse?<\/h2>\n<p>Yes, if you refinance through a lender like PenFed, you can consolidate your student loans with your spouse\u2019s loans. Your spouse could also consider <a href=\"https:\/\/www.credible.com\/refinance-student-loans\">refinancing their student loans<\/a> with you as a cosigner (or vice versa).<\/p>\n<p>Here\u2019s how these strategies work:<\/p>\n<ul>\n<li><b>Spousal loan consolidation:<\/b> With PenFed, you can consolidate both your and your spouse&#8217;s student loans into one new refinanced loan with a single payment.<\/li>\n<li><b>Cosigning your partner\u2019s loans:<\/b> Another option is for your spouse to apply for refinancing with you as a cosigner. While your loans won\u2019t be consolidated together if you\u2019re approved, you\u2019ll share responsibility for the loan with your spouse.<\/li>\n<\/ul>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Keep in mind:<\/b> In 2006, the Department of Education ended the Joint Consolidation Loan program. This means that married couples with federal student loans can\u2019t consolidate these loans through the government.<\/p>\n<p>The only option for combining federal loans with your spouse\u2019s loans is through <a href=\"https:\/\/www.credible.com\/student-loan-consolidation\">private student loan consolidation<\/a>, which is very different from federal consolidation. If you refinance federal student loans or consolidate them with a spouse\u2019s debt, you\u2019ll be replacing your federal student loans with a private student loan. This means you\u2019ll lose access to federal student loan repayment options and protections, such as income-driven repayment plans and <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/student-loan-forgiveness-programs\/\">student loan forgiveness programs<\/a>. <\/div><\/div>\n<p data-pm-slice=\"1 1 []\"><div id=\"embedded-prequal\">\n  Loading widget - embedded-prequal\n<\/div>\n\n<p><b><i>Learn more: <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/private-vs-federal-student-loan-consolidation\/\">Student Loan Consolidation vs. Student Loan Refinancing<\/a><\/i><\/b><\/p>\n<p><a name=\"consolidation-vs-cosigning\"><\/a><\/p>\n<h2>Spousal loan consolidation vs. cosigning your partner\u2019s loans<\/h2>\n<p>Here are a few critical differences to keep in mind before deciding whether to consolidate or cosign student loans with your spouse:<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-50841 size-full\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2018\/12\/Consolidating-vs.-Cosigning-Infographic.png\" alt=\"Consolidating vs. Cosigning Infographic\" width=\"901\" height=\"900\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2018\/12\/Consolidating-vs.-Cosigning-Infographic.png 901w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2018\/12\/Consolidating-vs.-Cosigning-Infographic-600x600.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2018\/12\/Consolidating-vs.-Cosigning-Infographic-200x200.png 200w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2018\/12\/Consolidating-vs.-Cosigning-Infographic-768x767.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2018\/12\/Consolidating-vs.-Cosigning-Infographic-300x300.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2018\/12\/Consolidating-vs.-Cosigning-Infographic-150x150.png 150w\" sizes=\"(max-width: 901px) 100vw, 901px\" \/><\/p>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/student-loan-repayment-estimator\/\"><b><i>Federal Student Loan Repayment Calculator \u2014 Strengths and Limitations<\/i><\/b><\/a><\/p>\n<h3>Spousal loan consolidation<\/h3>\n<p>With spousal loan consolidation, the lender will consider your combined income and debt and will determine your interest rate based on the highest credit score and level of education between both of you. This could make it a good option if you are a stay-at-home spouse, earn significantly less than your partner, or didn\u2019t finish college.<\/p>\n<h4>Pros<\/h4>\n<ul>\n<li><b>Could simplify your repayment:<\/b> Keeping track of multiple student loans with different due dates and amounts can be difficult. If you <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/how-to-consolidate-student-loans\/\">consolidate your student loans<\/a>, you and your spouse will have just one loan and payment to manage.<\/li>\n<li><b>Might get a lower interest rate: <\/b>Depending on your and your spouse\u2019s credit, you might be able to <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/lower-interest-rate-student-loans\/\">lower your student loan interest rate<\/a> through consolidation. This could save you money on interest and even potentially help you pay off your loan faster.<\/li>\n<li><b>Good option for stay-at-home parents:<\/b> Unlike if you cosigned a loan, your interest rate on a spousal consolidation loan will be determined based on the highest credit score and level of education between you and your partner. This could help you get a lower interest rate than if you refinanced your loan.<\/li>\n<\/ul>\n<h4>Cons<\/h4>\n<ul>\n<li><b>Difficult to get out of spousal consolidation:<\/b> Your spouse will be a joint borrower on the loan application and can\u2019t be removed, even if your relationship sours down the line and you separate or divorce. If you split up, you\u2019ll still share equal responsibility for repaying the loans, even if your spouse\u2019s original debt makes up the bulk of the balance.<\/li>\n<li><b>Lack of lender options:<\/b> PenFed is the only lender that allows spouses to consolidate their loans, which means you can\u2019t shop around for a lower rate.<\/li>\n<\/ul>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/consolidating-student-loans-pros-cons\/\"><b><i>Pros and Cons of Consolidating Student Loans<\/i><\/b><\/a><\/p>\n<h3>Cosigning your partner\u2019s loans<\/h3>\n<p>If you opt to cosign your partner\u2019s loans through refinancing, you\u2019ll have many more lenders to choose from. Additionally, some lenders offer a cosigner release option \u2014 this means you could be removed from the loan after a specific number of consecutive, on-time payments are made.<\/p>\n<h4>Pros<\/h4>\n<ul>\n<li><b>Might get a lower interest rate:<\/b> Depending on your partner\u2019s credit, they might get approved for a lower interest rate through refinancing than what they\u2019re currently paying. Additionally, even if your partner doesn\u2019t need a cosigner to qualify for refinancing, having you as a cosigner could help them get a lower interest rate than they\u2019d get on their own.<\/li>\n<li><b>Multiple lender options: <\/b>There\u2019s a wide variety of <a href=\"https:\/\/www.credible.com\/blog\/best-student-loan-refinance-companies\/\">student loan refinance companies<\/a> to choose from. This means that you and your spouse can shop around to find the most favorable rate and terms for your needs.<\/li>\n<li><b>Possible cosigner release: <\/b>Some lenders offer cosigner release after making consecutive, on-time payments for a specific period of time. This means your spouse could remove you from the loan later on, eliminating your repayment responsibility.<\/li>\n<\/ul>\n<h4>Cons<\/h4>\n<ul>\n<li><b>Will still have multiple loans: <\/b>While you can refinance and combine your own loans, you can\u2019t combine them with your spouse\u2019s. This means you\u2019ll still have more than one loan to track and repay.<\/li>\n<li><b>Might be harder to qualify for: <\/b>Unlike with spousal consolidation, refinancing lenders typically consider the income, debt, and credit score of both the primary borrower and the cosigner. This could make it harder to qualify compared to spousal consolidation if you or your spouse has poor credit or a low income.<\/li>\n<\/ul>\n<p>If you decide to refinance your student loans, be sure to consider as many lenders as possible to find the right loan for you and your spouse. Credible makes this easy \u2014 you can compare your prequalified rates from multiple lenders in two minutes.<\/p>\n<div id=\"loan-score-tool\">\n  Loading widget - loan-score-tool\n<\/div>\n\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/good-idea\/\"><b><i>When Student Loan Refi Is a Good Idea and When to Reconsider<\/i><\/b><\/a><\/p>\n<p><a name=\"refinancing-cosigner-release\"><\/a><\/p>\n<h2>Refinancing with cosigner release<\/h2>\n<p>Several lenders provide the option to have a cosigner released from the loan. This could be helpful if:<\/p>\n<ul>\n<li><b>You\u2019re looking to raise your debt-to-income (DTI) ratio,<\/b> as being released from the loan will lower your debt obligations.<\/li>\n<li><b>You or your spouse ever decide to end your relationship,<\/b> as you\u2019ll have the option of being removed from your obligation.<\/li>\n<\/ul>\n<p>To qualify for cosigner release, the primary borrower will generally need to make consecutive, on-time payments for a certain period of time \u2014 usually one to four years, depending on the lender. They\u2019ll also need to meet the underwriting criteria on their own.<\/p>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/refinance-with-cosigner\/\"><b><i>Refinance Student Loans With a Cosigner in 3 Steps<\/i><\/b><\/a><\/p>\n<h3>Lenders that offer cosigner release<\/h3>\n<p>If you want to refinance your student loans with a lender that provides a cosigner release option, remember to consider as many lenders as you can first. This way, you can find a loan that works best for you and your spouse.<\/p>\n<p>Here are Credible\u2019s partner lenders that offer cosigner release:<\/p>\n\n<table id=\"tablepress-326\" class=\"tablepress tablepress-id-326 table table-border-top table-rounded table-align-center table-capitalized-column-titles table-no-img-margin tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><\/td><th class=\"column-2\"><strong>Fixed rates from (APR)<\/strong><\/th><th class=\"column-3\"><strong>Variable rates from (APR)<\/strong><\/th><th class=\"column-4\"><strong>Min. credit score<\/strong><\/th><th class=\"column-5\"><strong>Cosigner release offered<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode \">\n        <div class=\"heading__container \">\n    <span class=\"heading\">\n                    <a href=\"https:\/\/www.credible.com\/lenders\/citizens-bank\/#citizens-bank-student-loan-refinancing\">Credible Rating<\/a>\n            <\/span>\n            <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n    <img decoding=\"async\" class=\"icon-help m-a-0\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n    <span class=\"tip\">\n        <span class=\"tip-content\" >Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n        <span class=\"tip-arrow\"><\/span>\n    <\/span>\n<\/div>\n    <\/div><div class=\"star-rating__container\">\n                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n            <\/div>        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    5.65%+<sup>1<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    5.69%+<sup>1<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">Does not disclose<\/td><td class=\"column-5\">After 36 months<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode \">\n        <div class=\"heading__container \">\n    <span class=\"heading\">\n                    <a href=\"https:\/\/www.credible.com\/lenders\/college-ave\/#college-ave-student-loan-refinancing\">Credible Rating<\/a>\n            <\/span>\n            <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n    <img decoding=\"async\" class=\"icon-help m-a-0\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n    <span class=\"tip\">\n        <span class=\"tip-content\" >Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n        <span class=\"tip-arrow\"><\/span>\n    <\/span>\n<\/div>\n    <\/div><div class=\"star-rating__container\">\n                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n        <\/div>        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    6.99%+<sup>2<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    6.99%+<sup>2<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">Does not disclose<\/td><td class=\"column-5\">After 24-36 months<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode \">\n        <div class=\"heading__container \">\n    <span class=\"heading\">\n                    <a href=\"https:\/\/www.credible.com\/lenders\/edvestinu\/#edvestinu-student-loan-refinancing-review\">Credible Rating<\/a>\n            <\/span>\n            <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n    <img decoding=\"async\" class=\"icon-help m-a-0\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n    <span class=\"tip\">\n        <span class=\"tip-content\" >Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n        <span class=\"tip-arrow\"><\/span>\n    <\/span>\n<\/div>\n    <\/div><div class=\"star-rating__container\">\n                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n            <\/div>        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    4.15%+<sup>5<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    5.22%+<sup>5<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">700<\/td><td class=\"column-5\">After 36 months<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode \">\n        <div class=\"heading__container \">\n    <span class=\"heading\">\n                    <a href=\"https:\/\/www.credible.com\/lenders\/invested\/#invested-refinancing\">Credible Rating<\/a>\n            <\/span>\n            <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n    <img decoding=\"async\" class=\"icon-help m-a-0\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n    <span class=\"tip\">\n        <span class=\"tip-content\" >Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n        <span class=\"tip-arrow\"><\/span>\n    <\/span>\n<\/div>\n    <\/div><div class=\"star-rating__container\">\n                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n            <\/div>        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    5.31%+<sup>4<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    6.83%+<sup>4<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">670<\/td><td class=\"column-5\">After 48 months<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img decoding=\"async\" width=\"171\" height=\"82\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/03\/ISL-Education-lending_logo.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"ISL Lender\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/03\/ISL-Education-lending_logo.png 171w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/03\/ISL-Education-lending_logo-150x72.png 150w\" sizes=\"(max-width: 171px) 100vw, 171px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode \">\n        <div class=\"heading__container \">\n    <span class=\"heading\">\n                    <a href=\"https:\/\/www.credible.com\/lenders\/isl-education-lending\/\">Credible Rating<\/a>\n            <\/span>\n            <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n    <img decoding=\"async\" class=\"icon-help m-a-0\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n    <span class=\"tip\">\n        <span class=\"tip-content\" >Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n        <span class=\"tip-arrow\"><\/span>\n    <\/span>\n<\/div>\n    <\/div><div class=\"star-rating__container\">\n                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-quarter.svg\">\n            <\/div>        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    6.94%+<sup><\/sup>\n  <\/span>\n<sup>7<\/sup><\/td><td class=\"column-3\">N\/A<\/td><td class=\"column-4\">670<\/td><td class=\"column-5\">After 24 months<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/lendkey\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#lendkey-slr\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    4.39%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    4.17%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">700<\/td><td class=\"column-5\">After 12 months<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td colspan=\"5\" class=\"column-1\"><b>Compare personalized rates from multiple<br> lenders without affecting your credit score. 100% free!<br \/>\n<br \/>\n<center><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/refi\/prequal\">Compare Now<\/a><br \/>\n<!-- TrustBox widget - Micro Combo --><br \/>\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5536ec090000ff00057eebe7\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\"><a href=\"https:\/\/www.trustpilot.com\/review\/www.credible.com\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div><br \/>\n<!-- End TrustBox widget --><\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td colspan=\"5\" class=\"column-1\"><p style=\"text-align: center;\"><small>All APRs reflect autopay and loyalty discounts where available | <a href=\"https:\/\/www.citizensbank.com\/student-lending\/DisclosureHub.aspx#rate-lowest\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>1<\/sup>Citizens Disclosures <\/a> | <a href=\"https:\/\/www.credible.com\/a\/college-ave-disclosures\/\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>2<\/sup>College Ave Disclosures <\/a> | <a href=\"https:\/\/www.credible.com\/a\/edvestinu-apr-details-refi\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>5<\/sup>EDvestinU Disclosures <\/a> | <a href=\"https:\/\/www.elfi.com\/terms\/\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>3<\/sup> ELFI Disclosures<\/a> | <a href=\"https:\/\/www.credible.com\/a\/invested-slr-disclosures\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>4<\/sup>INvestEd Disclosures<\/a> | <a href=\"https:\/\/www.credible.com\/a\/ISL-Disclosures\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>7<\/sup>ISL Education Lending Disclosures\u00a0<\/a> | <a href=\"https:\/\/www.credible.com\/disclosures-api\/get-latest\/refi.nelnet.blog-disclosures\"><sup>8<\/sup>Nelnet Bank Disclosures<\/a><\/small><\/p><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/how-often-can-you-refinance\/\"><b><i>How Often Can You Refinance Student Loans?<\/i><\/b><\/a><\/p>\n<p><a name=\"refinance-student-loan\"><\/a><\/p>\n<h2>How to refinance a student loan<\/h2>\n<p>If you decide to refinance your student loans, follow these four steps:<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-medium wp-image-56371\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2018\/12\/how-to-refinance-a-student-loan-infographic-600x600.png\" alt=\"\" width=\"600\" height=\"600\" \/><\/p>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/how-student-loans-impact-your-credit-score\/\"><b><i>6 Ways Student Loans Can Impact Your Credit Score<\/i><\/b><\/a><\/p>\n<h3>How much can you save by refinancing?<\/h3>\n<p>How much you can save through <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/student-loan-refinancing\/\">student loan refinancing<\/a> will mainly depend on the interest rate you qualify for as well as the repayment term you choose. In general, you\u2019ll need good to excellent credit to qualify for the lowest interest rates \u2014 a good credit score is usually considered to be 700 or higher.<\/p>\n<p>You could also keep your overall interest costs lower by choosing a shorter repayment term. Plus, several lenders offer lower rates to borrowers who opt for shorter terms.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>For example:<\/b> Borrowers who refinanced their student loans through the Credible marketplace from Nov. 1, 2019, to Dec. 1, 2020, and who chose a shorter repayment term were <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/credible-savings\/\">projected to save<\/a> an average of $16,943<sup><a href=\"#disclaimer\">1<\/a><\/sup> over the life of their loan.<\/div><\/div>\n<p>If you\u2019re wondering how much you could save by refinancing your student loans, use our calculator below:<\/p>\n<div class=\"calculator refinance\">\n<div class=\"inputs container\">\n\n  <p>Step 1. Enter your loan balance<\/p>\n\n  <div class=\"row form-groups\">\n  <div class=\"col-xs-8 col-lg-6\">\n  <div class=\"form-group\">\n  \t<label for=\"loan-balance\">Loan balance<\/label>\n  \t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the remaining amount of the loans you\u2019d like to refinance<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t<\/span>\n  \t<span class=\"input-group loan-balance\">\n  \t\t<span class=\"input-group-addon\">$<\/span>\n  \t\t<input type=\"number\" min=\"1\" value=\"55000\" step=\"1000\" name=\"loan-balance\" id=\"loan-balance\" aria-label=\"Loan balance\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t<\/span>\n  <\/div>\n  <\/div>\n  <\/div>\n\n  <p>Step 2. Enter current loan information<\/p>\n\n  <div class=\"row form-groups\">\n  <div class=\"col-xs-8 col-md\">\n    <div class=\"form-group\">\n  \t\t<label for=\"interest-rate\">Interest rate<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the average annual interest rate of the loans you\u2019d like to refinance<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group interest-rate\">\n  \t\t\t<input type=\"number\" min=\"2.00\" value=\"6.8\" max=\"100\" step=\".01\" name=\"interest-rate\" id=\"interest-rate\" aria-label=\"Interest rate\" class=\"form-control\">\n  \t\t\t<span class=\"input-group-addon\">%<\/span>\n  \t\t<\/span>\n  \t<\/div>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"monthly-payment\">Monthly payment<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the monthly amount you currently pay on your loans (or enter remaining term)<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group monthly-payment\">\n  \t\t\t<span class=\"input-group-addon\">$<\/span>\n  \t\t\t<input type=\"text\" value=\"620\" min=\"1\" step=\"10\" name=\"monthly-payment\" id=\"monthly-payment\" aria-label=\"Monthly payment\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t<\/span>\n  \t<\/div>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"remaining-term\">Remaining term<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the amount of time left to repay your loan (or enter monthly payment)<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group remaining-term\">\n  \t\t\t<input type=\"number\" value=\"9\" min=\"1\" max=\"50\" step=\"1\" name=\"remaining-term\" id=\"remaining-term\" aria-label=\"Remaining term\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t\t<span class=\"input-group-addon\">years<\/span>\n  \t\t<\/span>\n  \t<\/div>\n  <\/div>\n  <\/div>\n\n  <p>Step 3. Enter your new loan information to start calculating your savings<\/p>\n\n  <div class=\"row form-groups\">\n  <div class=\"col-xs-8 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"new-interest-rate\">Interest rate<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter an estimated new interest rate.<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group new-interest-rate\">\n  \t\t\t<input type=\"number\" value=\"4.25\" min=\"2.00\" max=\"100\" step=\".01\" name=\"new-interest-rate\" id=\"new-interest-rate\" aria-label=\"Interest rate\" class=\"form-control\">\n  \t\t\t<span class=\"input-group-addon\">%<\/span>\n  \t\t<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"new-monthly-payment\">Monthly payment<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the monthly amount to pay on your new loan (or enter new loan term)<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group new-monthly-payment\">\n  \t\t\t<span class=\"input-group-addon\">$<\/span>\n  \t\t\t<input type=\"text\" value=\"533\" min=\"1\" step=\"10\" name=\"new-monthly-payment\" id=\"new-monthly-payment\" aria-label=\"Monthly payment\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"new-remaining-term\">New loan term<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\" title=\"\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the amount of time you have to repay your loan (or enter monthly payment)<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group new-remaining-term\">\n  \t\t\t<input type=\"number\" value=\"10\" min=\"1\" max=\"50\" step=\"1\" name=\"new-remaining-term\" id=\"new-remaining-term\" aria-label=\"Remaining term\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t\t<span class=\"input-group-addon\">years<\/span>\n  \t\t<\/span>\n    <\/div>\n  <\/div>\n  <\/div>\n\n<\/div>\n<div class=\"outputs container\">\n\n  <div class=\"results row\">\n  <div class=\"col-xs-6 col-sm-4 col-md-6 col-lg-4\">\n    <div id=\"total-difference-container\" class=\"negative\">\n  \t\t<span class=\"is-negative\">Lifetime Savings<\/span>\n  \t\t<span class=\"is-positive\">Increased Lifetime Cost<\/span>\n    \t<big>$<span id=\"total-difference\"><\/span><\/big>\n    <\/div>\n  <\/div>\n  <div class=\"col-xs-6 col-sm-4 col-md-6 col-lg-4\">\n  \tNew Monthly Payment\n  \t<big>$<span id=\"output-new-monthly-payment\"><\/span><\/big>\n  <\/div>\n  <div class=\"col-xs-12 col-sm-4 col-md-12 col-lg-4\">\n    <div id=\"payment-difference-container\" class=\"negative\">\n    \t\t<span class=\"is-negative\">Monthly Savings<\/span>\n    \t\t<span class=\"is-positive\">Increased Monthly Cost<\/span>\n    \t<big>$<span class=\"payment-difference\"><\/span><\/big>\n    <\/div>\n  <\/div>\n  <\/div>\n\n  <p class=\"results-sentence\">\n    If you refinance your student loan at\n    <strong><span id=\"output-new-interest-rate\"><\/span>%<\/strong>\n    interest rate, you\n    <span class=\"payment-difference-is-negative\">can save<\/span>\n    <span class=\"payment-difference-is-positive\">will pay an additional<\/span>\n    <strong>$<span class=\"payment-difference\"><\/span><\/strong>\n    monthly and pay off your loan by\n    <strong><span id=\"new-loan-payoff-date\"><\/span><\/strong>.\n    The total cost of the new loan will be\n    <strong>$<span class=\"output-new-total\"><\/span><\/strong>.\n  <\/p>\n\n  <hr \/>\n  <div class=\"cta\">\n        <p>\n      <strong>Does refinancing make sense for you?<\/strong><br \/>\n      Compare offers from top refinancing lenders to determine your actual savings.\n    <\/p>\n    <p>\n      <a href=\"\/refinance-student-loans\" class=\"btn btn-lg btn-warning\">\n        Check Personalized Rates      <\/a><br \/>\n      <small>Checking rates won't affect your credit score<\/small>\n    <\/p>\n      <\/div>\n\n<\/div>\n<\/div>\n\n<p><a name=\"disclaimer\"><\/a><br \/>\n<small><i><sup>1<\/sup><b>$16,943 savings disclaimer:<\/b> Savings estimates assume the analyzed consumers will make full, on-time monthly payments for the full life of the loan according to the terms of their promissory notes. Actual savings may be higher or lower. Average $16,943 savings calculation based on (1) information the users shared with Credible about their original loans (such as loan balance, repayment term, and rate) and created an account between Nov.1, 2019 and Dec. 1, 2020; and (2) actual loan terms for those same users who refinanced into a student loan with a shorter repayment term than the weighted average of their previous loan\u2019s(\u2018) remaining months to full amortization, calculated using information the users shared with Credible . This calculation excludes borrowers who refinanced to a loan of a similar or longer duration or who reported loan terms that deviate from normal user experiences, including: (i) any loan term with less than one (1) year or more than twenty-five (25) years remaining before refinancing; (ii) monthly loan payments greater than $5,000 per month before refinancing; and (iii) any existing loan amount (before refinancing) that deviates more than five (5) percent from the loan amount disbursed upon refinancing. Our calculations do not take into account variable factors such as the borrower\u2019s potential eligibility for loan forgiveness, variable interest rates, deferments, late payments, underpayments, missed payments, or pre-payments. Please note that your actual savings may vary depending on interest rate, balance, loan terms, credit score, and other factors.<\/i><\/small><\/p>\n","protected":false},"excerpt":{"rendered":"<p>More than 43 million adults in the U.S. have student loan debt, according to EducationData.org \u2014 so if you get married, there\u2019s a good chance that both you and your spouse will have student loan&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/consolidate-with-spouse\/\">Continue reading<\/a><\/p>\n","protected":false},"author":126,"featured_media":44481,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[2],"tags":[1464],"class_list":["post-19548","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-refinance-student-loans","tag-no-sidebar","love-and-loans-consolidating-your-student-debt-together","post_tag-no-sidebar"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Consolidating Student Loans With Your Spouse | Credible<\/title>\n<meta name=\"description\" content=\"Once you get married, consolidating student loans with your spouse could be a helpful way to streamline your finances. 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