Consolidating your debt pros and cons


13-Dec-2016 23:44

You can consolidate all, just some, or even just one of your student loans.

Consolidating federal student loans may be a good strategy to lower monthly payments or to get out of default, but it is not always a good idea.

If you have Perkins loans, think twice before consolidating them; you’ll lose access to Perkins loan cancellation if you do.

Federal loan servicers are private companies that manage federal loans for the Department of Education.

Here’s how: » SIGN UP: Get a free plan to ditch your debt Federal student loan consolidation basics How to consolidate federal student loans Student loan refinancing basics Compare student loan refinance lenders When you consolidate federal loans, the government pays them off and replaces them with a direct consolidation loan.

consolidating your debt pros and cons-66

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You’ll save money if your new loan has a lower interest rate.On the standard repayment plan for direct consolidation loans, you’ll make equal monthly payments for 10 to 30 years, depending on your total federal student loan balance.



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