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Federal Consolidation Loan

Thank you for choosing Wachovia. We work closely with students to make covering education costs a fast, friendly process.

If you have $10,000 or more in education loans, consolidation can be a smart option. Consolidating can combine your existing federal loans into a new loan with a single, low monthly payment, a fixed interest rate and an extended repayment period.

Here’s why students choose Consolidation Loans from Wachovia:

A full 1.25% interest rate reduction available from Wachovia during repayment1
A reduced monthly payment
Pre-approval in minutes
No minimum balance requirement
Flexible repayment options
No penalty for paying this loan back early

Exclusive Savings from Wachovia1
Consolidate $15,000 or more and you can reduce your new fixed interest rate by up to 1.25 percent. To qualify, just make your first 24 regularly scheduled payments on time, and we’ll give you a 1 percent rate reduction. Plus, sign up for automatic payment from your bank account at any time during repayment and receive an additional .25 percent rate reduction.

Reduce your new fixed interest rate by up to

1.25%1

and cut your monthly payments by up to

50%

Questions? We Can Help!

At Wachovia, we are delighted to help our customers with questions or concerns. We look forward to hearing from you.

Email:	Customer Assistance
Phone:	(877) 689-0763
Web:	www.wachovia.com/education
Lender code:	830005

1This benefit program is available to customers who receive consolidation loans of $15,000 or more based on applications received on or after 10/1/06 and who meet all other eligibility terms. Other terms and conditions apply. Visit wachovia.com/education for complete details and eligibility requirements.



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Federal education loans are originated by Wachovia Education Finance, Inc.
Private education loans are originated by Wells Fargo Bank, N.A.
Equal Credit Opportunity Lenders