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While going to college is surely something to be proud of, and is a great investment in your future, most students and their families are unable to pay for it out-of-pocket.

After all scholarships and grants have been exhausted, the next option is student loans.

Many consolidation services offer fixed interest rates for the life of the loan, which can lock in your savings for years to come.

This is good since consolidation loans typically have longer terms than other loans - usually anywhere from 10 to 30 years.

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Keep in mind that extending your repayment term may increase the amount of interest you pay over the life of the loan.

Whether you have federal student loans (such as Stafford, PLUS, or Federal Perkins loans) or private student loans, there are a number of student loan consolidation services that can help you consolidate your loans into one single debt.

This can result in lower interest rates, and, in some cases, dramatically reduced monthly loan payments.

In 2013, Chase announced that they would be ending their student loan program.

Thasunda Duckett, the chief executive for automotive and student loans, explained to the press that the company no longer believed that the market could grow significantly enough for Chase to stay in it.

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