Loan Consolidation Flagstaff AZ

College graduates must decide between paying off their student loans or investing their money elsewhere.

Wells Fargo - East Flagstaff Branch
(866) 245-3452
2625 North Fourth Street
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Chase - East Flagstaff Branch
(877) 682-4273
4830 North Highway 89
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Chase - Flagstaff Downtown Branch
(877) 682-4273
100 West Birch Street
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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BBVA Compass Bank - Flagstaff/Kachina Kbc Branch
(800) COM-PASS
1416 East Route 66
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $20.00. See institution about how these monthly fees can be waived.
ATM Fee Rebate Noe: BBVA Compass Bank rebates ATM Surcharge Fees. Contact the institution for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
BBVA Compass Bank - Flagstaff Downtown Branch
(800) COM-PASS
2 East Birch Avenue
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $20.00. See institution about how these monthly fees can be waived.
ATM Fee Rebate Noe: BBVA Compass Bank rebates ATM Surcharge Fees. Contact the institution for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Bank of America - Flagstaff Mall Branch
(800) 432-1000
4550 North Us Highway 89
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Wells Fargo - Flagstaff Mall Branch
(866) 245-3452
4650 N Hwy 89 D3
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Wells Fargo - So. Woodlands Village Branch
(866) 245-3452
2700 So. Woodlands Village Boulevard
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Bank of America - Flagstaff Downtown Branch
(800) 432-1000
125 East Birch Street
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Wells Fargo - Flagstaff Branch
(866) 245-3452
1200 South Milton Road
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Loan Consolidation

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Graduating from college can be exhilarating, ushering in a fresh beginning, a new career, and financial independence. But it also means the time has come to seriously consider how to repay your student loans, and that implies asking yourself an important question: should you pay off your student loans or invest your money elsewhere?

Before deciding whether to invest or not, it is important to arrange your loans in a hierarchical manner, starting with the loans with the highest interest rates first. One of the cardinal rules of financial planning is to"pay off debts with the highest after-tax interest rates first," said Pat Scherschel, consolidation and debt management strategist at Nellie Mae, a higher-education loan provider. High-interest consumer debt should be repaid first.

With federal student loan interest rates at their lowest in over 30 years, recent graduates can consolidate their loans to lock in the low rates and extend the amount of time over which they pay back their loans. Also, recent amendments to tax laws have made the interest for some student loans tax-deductible for as long as it takes to pay them back.

"The money that you save each month by consolidating your loans can be invested," said Brent Carlson of NextStudent, an organization providing advice pertaining to college loans.

Teresa Surichamorn, 23, graduated from college in 2001 and took advantage of the drop in the interest rate last year by consolidating her various student loans, thus locking in a rate that hovers at just above four percent. Surichamorn now has the luxury of being able to put more than she owes towards her student loans every month, and considered investing the extra money....


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