STUDENT LOAN CONSOLIDATION

Simplify Your Student Loan Payments

ETG Financial offers student loan consolidation solutions that combine multiple federal loans into one easy monthly payment. Enjoy simplified budgeting, flexible repayment options, and the peace of mind that comes with better control over your education debt.

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We’ve Got Your Back

Take control of your student loans today, refinance and consolidate your federal and private loans and save an average of $22,359 over time. Life happens, and we’re here for it. If you lose your job, we’ll pause your payments and support your job search. When you’re ready to buy a home, we’ll even give you a mortgage discount.

With ETG Financial, you're not just getting a loan, you’re gaining a long-term financial partner.

Why Refinance Student Loans?

Serious Savings

Enjoy low fixed and variable rates with no application or origination fees. Our borrowers save an average of $22,359 over the life of their loan.

Federal + Private, All in One

We’re one of the few lenders that allow you to consolidate and refinance both federal and private student loans, quickly and seamlessly.

Three Easy Steps to Student Loan Refinancing

1. Check Your Rate - Get a personalized quote with no impact on your credit score. See your potential savings instantly.

2. Choose Your Loan Terms - Pick the rate, term, and monthly payment that works best for your financial goals, fixed or variable options available.

3. Upload & Sign - Complete your application online with secure document upload and e-signature. Once approved, we’ll handle the payoff of your old loans for you.

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Why Student Loan Consolidation?

1) Simplify Your Payments - Combine multiple student loans into one easy monthly payment, no more juggling multiple due dates or loan servicer.

2) Lower Your Interest Rate - Consolidation can help you secure a better rate, potentially saving thousands in interest over time.

3) Flexible Repayment Options - Choose a repayment plan that fits your budget and goals, whether you're looking to reduce your monthly payment or pay off debt faster.

4) Improve Financial Clarity - Streamlining your loans gives you a clearer picture of your debt and helps you plan your financial future with confidence.

5) Combine Federal & Private Loans - ETG Financial allows you to consolidate both federal and private loans, something many providers don’t offer.

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Student Loan Consolidation Options

Federal Student Loan Consolidation

Private Student Loan Consolidation (Refinancing)

Parent PLUS Loan Refinancing

Federal + Private Loan Consolidation (Hybrid Refinancing)

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100% Guarantee Best Service

Frequently Asked Questions (FAQs)

What is merchant processing?

Merchant processing refers to the handling of electronic payment transactions for businesses, typically credit and debit card payments. A payment processor enables these transactions and deposits the funds into the merchant's account.

What do I need to start accepting card payments?

You need a merchant account, a payment gateway (if you're online), and a payment processor. Some platforms bundle these together.

What's the difference between a merchant account and a payment gateway?

A merchant account holds your card transaction funds before they're deposited into your bank account. A payment gateway securely transmits card information from your site to the processor.

What are typical fees for merchant processing?

Common fees include:

Transaction fees (1.5%–3.5%)

Monthly fees

Chargeback fees

PCI compliance fees

What’s the difference between flat-rate and interchange-plus pricing?

Flat-rate is a single percentage per transaction (e.g., 2.9%). Interchange-plus is the actual card network fee (interchange) plus a small markup, which can be more transparent and cost-effective for larger businesses.