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Its customer service got lukewarm reviews at best — many reviewers felt Chase didn’t care enough about them.

For federal loans, the interest rate is determined by averaging all the interest rates on your current loans and then rounding up to the nearest one-eighth of 1 percent.

No sign-on or origination fees are required, the interest rate is locked in for the life of the loan and you can select a payment option that suits you best.

Wells Fargo (wellsfargo.com) should be considered, especially if you bank with banking giant For federal loans, Wells Fargo requires that you are graduated, the loans are in good standing and total over ,000.

If you meet these requirements, no fees or credit checks are required to consolidate your federal student loan.

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Your annual interest will be determine by your credit, and Wells Fargo allows consolidation of private loans totaling from $5,000 to $100,000.

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