Options to consolidating credit cards ticuar sex com

30-Jan-2015 20:49

Student loan consolidation may not be the silver-bullet solution that it used to be, but it can still offer some benefits depending on your situation.

First and foremost, if you’re juggling multiple student loan payments, student loan consolidation can simplify your finances.

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That means you have just one loan to pay off and keep track of instead of several, and that can help reduce the chance of a late or missed payment.

Had I not consolidated, I could have been paying 7.14% starting in 2006 and 7.22% in 2007 before rates dipped back down to 4.21% in 2008.

Since 2006, however, all federal student loans have been issued with fixed interest rates for the life of the loan.

There are two main ways to do this: through Uncle Sam or a private lender.

Federal consolidation loans are for — you guessed it — federal student loans.It’s important to remember that these numbers are averages — some students manage to earn their degrees with far less debt. But wherever you are on the spectrum, being an informed borrower can help you stay organized, figure out the best way to pay back your debt, and maintain a reasonable lifestyle while you’re doing it.

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