austin dating services texas - Consolidating studentloans com

We offer a FREE student loan consultation to help you learn about the different Federal student loan programs that are available for you We also help individuals that are concerned about how to keep up with their monthly payments Our Counselors will work with you to maximize your savings and help.Read More You have many choices to make when applying for student loan consolidation Our experts are completely familiar with all private or Federal loan programs and they can assist you throughout the process We will assess your individual situation and determine what programs you qualify for and provide.Private consolidation is often referred to as refinancing.

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.

Alternatively, there are six other repayment plans to choose from, including four income-driven plans.

The remainder of the application involves filling in basic personal information and providing names of two references who have known you for at least three years.

After you review, sign and submit your application, continue making payments on your existing federal loans until your application has been processed.

So, for instance: If the average comes to 6.15%, your new interest rate will be 6.25%.

Additionally, you’ll get a new loan term ranging from 10 to 30 years.Consolidating your federal loans through the Department of Education is free; steer clear of companies that charge fees to consolidate them for you.When you consolidate federal loans, your new fixed interest rate will be the weighted average of your previous rates, rounded up to the next ⅛ of 1%.If you choose an income-driven plan, you’ll be asked to provide income information on the application by granting access to your IRS tax information.You can opt out, but you’ll have to submit a copy of your most recent federal tax return directly to your loan servicer after you finish the consolidation application. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward –- and free. " There are two types of student loan consolidation: federal and private.

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