Benefits of consolidating your student loans

05-Apr-2019 04:32

benefits of consolidating your student loans-12

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But any payments you made prior to consolidating will no longer count toward the PSLF program if you’re planning to use it. So if, for instance, you’ve been making payments for five years and are eligible for PSLF, it might be better to manage multiple monthly payments for another five years than to consolidate and wait ten years before your loans are forgiven. You can also consolidate your federal student loans by refinancing with a private lender. Before you apply, we recommend comparing terms and repayment options of at leastso you can be sure you’re getting a loan that works best for you.

See also: You can consolidate your federal student loans online through the U. Once you’ve considered how the monthly payments and total payment amounts will impact your current financial situation, fill out the online application for the bank that meets your needs.

The truth is you can't consolidate private student loans through the federal government.

Instead, you consolidate your loans refinancing through a private lender.

Some of the highly vetted lenders we currently work with and recommend are: the lenders at the top of your list to see what their customer service is like.

Since you'll be in a long-term relationship with your lender once you refinance, you want to make sure that not only their rates and loan terms are good but that they'll respond appropriately when you need by completing an initial inquiry with your top two or three choices.

Consider not only your monthly payment but also how much you’ll pay in the long run.

However, if you have a high credit score and you consolidate to a federal loan, you may lose out on getting a lower interest rate that could save you thousands of dollars over the life of your loan.Consolidation through a federal Direct Consolidation Loan helps streamline your monthly student loan payments while allowing you to: As we mentioned above, there are some important things to consider before you apply to consolidate your student loans, like whether you’ll lose access to federal benefit programs.

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