>>AVO: Congratulations.

You got your degree.

And you’re ready for your future to take flight.

But if you’re like most graduates,you might be feeling, well, a little grounded.

If you have one or more student loans, youhave payments to make.

Perhaps multiple payments.

Fortunately, there’s a way to refinanceyour single loan, or turn multiple loans into one loan, and perhaps lower your monthly paymentin the process.

It’s called Student Loan Consolidation.

There are two types of student loans: federaland private.

Federal loans are financed by the government.

You can learn more about consolidating federalloans at studentloans.

Gov.

Private student loans are financed througha non-government lender, such as a bank.

If you have private student loans, Wells Fargocan give you options for combining or refinancing your loans.

Once you qualify, you may get a lower rate,or you may choose to lengthen the time it takes to repay your loan to help lower yourmonthly payment.

Of course, extending your repayment time mayadd more interest over the life of your loan.

At Wells Fargo, you’ll work with a dedicatedstudent loan consultant who can help you complete the application and determine what your newmonthly payments will be.

To get started, give us acall at 1-877-425-2613 or go to www.

Wellsfargo.

Com/privateconsolidation Take care of your student loan debt, and you can take on the world.