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  • Education Lending
  • Overview
  • Private Student Loans
  • Student Loan Consolidation
  • Parent Plus Loan Consolidation
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Student Loan Consolidation

Thinking about consolidating your student loan debt? We can help.

Apply Now

Or

Call Us

1-888-665-9609

Key Features

Lower Payment and Competitive Rates

Choose from different term options to consolidate your loans with competitive rates.

Refinance a Little or a Lot

Refinance as little as $2,000 or up to $125,000 in undergraduate debt or $175,000 in graduate debt.

Cosigner Release Available

Have your cosigner removed from your loan after 12 consecutive, on-time principal and interest payments during the repayment period.^

Apply Now

Or

Call Us

1-888-665-9609

Additional Benefits & Features Additional Benefits & Features

  • Simplify Your Finances – Consolidate your private and federal student debt into one easy monthly payment.
  • Refinance as little as $2,000 or up to $125,000 in undergraduate debt or $175,000 in graduate debt.
  • No origination fee.
  • Fixed and variable rate options available.
  • Receive a 0.25% rate discount for making automatic payments from your WSFS checking account.



Interest Rates

Please select your state
so that we can provide accurate rates for your location.

Tiers Interest Rate APY
N/A N/A N/A
N/A N/A N/A
N/A N/A N/A
N/A N/A N/A
Term Credit Tier Variable Rate* Fixed Rate*
5 Years Tier 1 Prime 6.52% APR
5 Years Tier 2 Prime 6.62% APR
5 Years Tier 3 Prime 6.82% APR
5 Years Tier 4 Prime + 0.50% APR 7.22% APR
5 Years Tier 5 Prime + 1.50% APR 8.02% APR
10 Years Tier 1 Prime + 0.25% APR 7.02% APR
10 Years Tier 2 Prime + 0.25% APR 7.12% APR
10 Years Tier 3 Prime + 0.25% APR 7.32% APR
10 Years Tier 4 Prime + 0.75% APR 7.72% APR
10 Years Tier 5 Prime + 1.75% APR 8.52% APR
15 Years Tier 1 Prime + 0.50% APR 7.22% APR
15 Years Tier 2 Prime + 0.50% APR 7.32% APR
15 Years Tier 3 Prime + 0.50% APR 7.52% APR
15 Years Tier 4 Prime + 1.00% APR 7.92% APR
15 Years Tier 5 Prime + 2.00% APR 8.72% APR
Term Credit Tier Variable Rate* Fixed Rate*
5 Years Tier 1 Prime 6.52% APR
5 Years Tier 2 Prime 6.62% APR
5 Years Tier 3 Prime 6.82% APR
5 Years Tier 4 Prime + 0.50% APR 7.22% APR
5 Years Tier 5 Prime + 1.50% APR 8.02% APR
10 Years Tier 1 Prime + 0.25% APR 7.02% APR
10 Years Tier 2 Prime + 0.25% APR 7.12% APR
10 Years Tier 3 Prime + 0.25% APR 7.32% APR
10 Years Tier 4 Prime + 0.75% APR 7.72% APR
10 Years Tier 5 Prime + 1.75% APR 8.52% APR
15 Years Tier 1 Prime + 0.50% APR 7.22% APR
15 Years Tier 2 Prime + 0.50% APR 7.32% APR
15 Years Tier 3 Prime + 0.50% APR 7.52% APR
15 Years Tier 4 Prime + 1.00% APR 7.92% APR
15 Years Tier 5 Prime + 2.00% APR 8.72% APR
Term Credit Tier Variable Rate* Fixed Rate*
5 Years Tier 1 Prime 6.52% APR
5 Years Tier 2 Prime 6.62% APR
5 Years Tier 3 Prime 6.82% APR
5 Years Tier 4 Prime + 0.50% APR 7.22% APR
5 Years Tier 5 Prime + 1.50% APR 8.02% APR
10 Years Tier 1 Prime + 0.25% APR 7.02% APR
10 Years Tier 2 Prime + 0.25% APR 7.12% APR
10 Years Tier 3 Prime + 0.25% APR 7.32% APR
10 Years Tier 4 Prime + 0.75% APR 7.72% APR
10 Years Tier 5 Prime + 1.75% APR 8.52% APR
15 Years Tier 1 Prime + 0.50% APR 7.22% APR
15 Years Tier 2 Prime + 0.50% APR 7.32% APR
15 Years Tier 3 Prime + 0.50% APR 7.52% APR
15 Years Tier 4 Prime + 1.00% APR 7.92% APR
15 Years Tier 5 Prime + 2.00% APR 8.72% APR
Term Credit Tier Variable Rate* Fixed Rate*
5 Years Tier 1 Prime 6.52% APR
5 Years Tier 2 Prime 6.62% APR
5 Years Tier 3 Prime 6.82% APR
5 Years Tier 4 Prime + 0.50% APR 7.22% APR
5 Years Tier 5 Prime + 1.50% APR 8.02% APR
10 Years Tier 1 Prime + 0.25% APR 7.02% APR
10 Years Tier 2 Prime + 0.25% APR 7.12% APR
10 Years Tier 3 Prime + 0.25% APR 7.32% APR
10 Years Tier 4 Prime + 0.75% APR 7.72% APR
10 Years Tier 5 Prime + 1.75% APR 8.52% APR
15 Years Tier 1 Prime + 0.50% APR 7.22% APR
15 Years Tier 2 Prime + 0.50% APR 7.32% APR
15 Years Tier 3 Prime + 0.50% APR 7.52% APR
15 Years Tier 4 Prime + 1.00% APR 7.92% APR
15 Years Tier 5 Prime + 2.00% APR 8.72% APR
Term Credit Tier Variable Rate* Fixed Rate*
5 Years Tier 1 Prime 6.52% APR
5 Years Tier 2 Prime 6.62% APR
5 Years Tier 3 Prime 6.82% APR
5 Years Tier 4 Prime + 0.50% APR 7.22% APR
5 Years Tier 5 Prime + 1.50% APR 8.02% APR
10 Years Tier 1 Prime + 0.25% APR 7.02% APR
10 Years Tier 2 Prime + 0.25% APR 7.12% APR
10 Years Tier 3 Prime + 0.25% APR 7.32% APR
10 Years Tier 4 Prime + 0.75% APR 7.72% APR
10 Years Tier 5 Prime + 1.75% APR 8.52% APR
15 Years Tier 1 Prime + 0.50% APR 7.22% APR
15 Years Tier 2 Prime + 0.50% APR 7.32% APR
15 Years Tier 3 Prime + 0.50% APR 7.52% APR
15 Years Tier 4 Prime + 1.00% APR 7.92% APR
15 Years Tier 5 Prime + 2.00% APR 8.72% APR

  • Tiers

  • Interest Rate

  • APY

  • N/A

  • N/A

  • N/A

  • N/A

  • N/A

  • N/A

  • N/A

  • N/A

  • N/A

  • N/A

  • N/A

  • N/A

  • N/A

  • N/A

  • N/A

  • N/A

  • N/A

  • N/A

  • Term

  • Credit Tier

  • Variable Rate*

  • Fixed Rate*

  • 5 Years

  • Tier 1

  • Prime

  • 6.52% APR

  • 5 Years

  • Tier 2

  • Prime

  • 6.62% APR

  • 5 Years

  • Tier 3

  • Prime

  • 6.82% APR

  • 5 Years

  • Tier 4

  • Prime + 0.50% APR

  • 7.22% APR

  • 5 Years

  • Tier 5

  • Prime + 1.50% APR

  • 8.02% APR

  • 10 Years

  • Tier 1

  • Prime + 0.25% APR

  • 7.02% APR

  • 10 Years

  • Tier 2

  • Prime + 0.25% APR

  • 7.12% APR

  • 10 Years

  • Tier 3

  • Prime + 0.25% APR

  • 7.32% APR

  • 10 Years

  • Tier 4

  • Prime + 0.75% APR

  • 7.72% APR

  • 10 Years

  • Tier 5

  • Prime + 1.75% APR

  • 8.52% APR

  • 15 Years

  • Tier 1

  • Prime + 0.50% APR

  • 7.22% APR

  • 15 Years

  • Tier 2

  • Prime + 0.50% APR

  • 7.32% APR

  • 15 Years

  • Tier 3

  • Prime + 0.50% APR

  • 7.52% APR

  • 15 Years

  • Tier 4

  • Prime + 1.00% APR

  • 7.92% APR

  • 15 Years

  • Tier 5

  • Prime + 2.00% APR

  • 8.72% APR

  • Term

  • Credit Tier

  • Variable Rate*

  • Fixed Rate*

  • 5 Years

  • Tier 1

  • Prime

  • 6.52% APR

  • 5 Years

  • Tier 2

  • Prime

  • 6.62% APR

  • 5 Years

  • Tier 3

  • Prime

  • 6.82% APR

  • 5 Years

  • Tier 4

  • Prime + 0.50% APR

  • 7.22% APR

  • 5 Years

  • Tier 5

  • Prime + 1.50% APR

  • 8.02% APR

  • 10 Years

  • Tier 1

  • Prime + 0.25% APR

  • 7.02% APR

  • 10 Years

  • Tier 2

  • Prime + 0.25% APR

  • 7.12% APR

  • 10 Years

  • Tier 3

  • Prime + 0.25% APR

  • 7.32% APR

  • 10 Years

  • Tier 4

  • Prime + 0.75% APR

  • 7.72% APR

  • 10 Years

  • Tier 5

  • Prime + 1.75% APR

  • 8.52% APR

  • 15 Years

  • Tier 1

  • Prime + 0.50% APR

  • 7.22% APR

  • 15 Years

  • Tier 2

  • Prime + 0.50% APR

  • 7.32% APR

  • 15 Years

  • Tier 3

  • Prime + 0.50% APR

  • 7.52% APR

  • 15 Years

  • Tier 4

  • Prime + 1.00% APR

  • 7.92% APR

  • 15 Years

  • Tier 5

  • Prime + 2.00% APR

  • 8.72% APR

  • Term

  • Credit Tier

  • Variable Rate*

  • Fixed Rate*

  • 5 Years

  • Tier 1

  • Prime

  • 6.52% APR

  • 5 Years

  • Tier 2

  • Prime

  • 6.62% APR

  • 5 Years

  • Tier 3

  • Prime

  • 6.82% APR

  • 5 Years

  • Tier 4

  • Prime + 0.50% APR

  • 7.22% APR

  • 5 Years

  • Tier 5

  • Prime + 1.50% APR

  • 8.02% APR

  • 10 Years

  • Tier 1

  • Prime + 0.25% APR

  • 7.02% APR

  • 10 Years

  • Tier 2

  • Prime + 0.25% APR

  • 7.12% APR

  • 10 Years

  • Tier 3

  • Prime + 0.25% APR

  • 7.32% APR

  • 10 Years

  • Tier 4

  • Prime + 0.75% APR

  • 7.72% APR

  • 10 Years

  • Tier 5

  • Prime + 1.75% APR

  • 8.52% APR

  • 15 Years

  • Tier 1

  • Prime + 0.50% APR

  • 7.22% APR

  • 15 Years

  • Tier 2

  • Prime + 0.50% APR

  • 7.32% APR

  • 15 Years

  • Tier 3

  • Prime + 0.50% APR

  • 7.52% APR

  • 15 Years

  • Tier 4

  • Prime + 1.00% APR

  • 7.92% APR

  • 15 Years

  • Tier 5

  • Prime + 2.00% APR

  • 8.72% APR

  • Term

  • Credit Tier

  • Variable Rate*

  • Fixed Rate*

  • 5 Years

  • Tier 1

  • Prime

  • 6.52% APR

  • 5 Years

  • Tier 2

  • Prime

  • 6.62% APR

  • 5 Years

  • Tier 3

  • Prime

  • 6.82% APR

  • 5 Years

  • Tier 4

  • Prime + 0.50% APR

  • 7.22% APR

  • 5 Years

  • Tier 5

  • Prime + 1.50% APR

  • 8.02% APR

  • 10 Years

  • Tier 1

  • Prime + 0.25% APR

  • 7.02% APR

  • 10 Years

  • Tier 2

  • Prime + 0.25% APR

  • 7.12% APR

  • 10 Years

  • Tier 3

  • Prime + 0.25% APR

  • 7.32% APR

  • 10 Years

  • Tier 4

  • Prime + 0.75% APR

  • 7.72% APR

  • 10 Years

  • Tier 5

  • Prime + 1.75% APR

  • 8.52% APR

  • 15 Years

  • Tier 1

  • Prime + 0.50% APR

  • 7.22% APR

  • 15 Years

  • Tier 2

  • Prime + 0.50% APR

  • 7.32% APR

  • 15 Years

  • Tier 3

  • Prime + 0.50% APR

  • 7.52% APR

  • 15 Years

  • Tier 4

  • Prime + 1.00% APR

  • 7.92% APR

  • 15 Years

  • Tier 5

  • Prime + 2.00% APR

  • 8.72% APR

  • Term

  • Credit Tier

  • Variable Rate*

  • Fixed Rate*

  • 5 Years

  • Tier 1

  • Prime

  • 6.52% APR

  • 5 Years

  • Tier 2

  • Prime

  • 6.62% APR

  • 5 Years

  • Tier 3

  • Prime

  • 6.82% APR

  • 5 Years

  • Tier 4

  • Prime + 0.50% APR

  • 7.22% APR

  • 5 Years

  • Tier 5

  • Prime + 1.50% APR

  • 8.02% APR

  • 10 Years

  • Tier 1

  • Prime + 0.25% APR

  • 7.02% APR

  • 10 Years

  • Tier 2

  • Prime + 0.25% APR

  • 7.12% APR

  • 10 Years

  • Tier 3

  • Prime + 0.25% APR

  • 7.32% APR

  • 10 Years

  • Tier 4

  • Prime + 0.75% APR

  • 7.72% APR

  • 10 Years

  • Tier 5

  • Prime + 1.75% APR

  • 8.52% APR

  • 15 Years

  • Tier 1

  • Prime + 0.50% APR

  • 7.22% APR

  • 15 Years

  • Tier 2

  • Prime + 0.50% APR

  • 7.32% APR

  • 15 Years

  • Tier 3

  • Prime + 0.50% APR

  • 7.52% APR

  • 15 Years

  • Tier 4

  • Prime + 1.00% APR

  • 7.92% APR

  • 15 Years

  • Tier 5

  • Prime + 2.00% APR

  • 8.72% APR

Promotional Rates

Bonus Rate Information for Qualifying Accounts

^To qualify independently, borrowers must meet underwriting guidelines and are subject to credit review and approval.

*The Annual Percentage Rates (APR) are effective as of June 10, 2023 and are subject to change. The rate for the variable rate loan is based on the Prime Rate, as published in The Wall Street Journal on the first of each month. which is currently 8.25%. If the first day of the month is not a business day, the preceding business day will be used.

Credit tier based on factors such as credit history and credit score.


Related Resources

Education Lending

Paying for College: What Do I Need to Know?

Read Now
WSFS Knowledge Center Paying for College What to Know

Credit Cards

Using Credit Cards Responsibly: What to Know

Read Now
Using Credit Cards Responsibly

Savings

5 Ways to Save for a Big Purchase

Read Now
5 Ways to Save for a Big Purchase
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