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| Student Loan Consalidation |
| Tuesday, September 11, 2007 |
Consolidation Loans combine several student or parent loans into one bigger loan from a single lender, which is then used to pay off the balances on the other loans. It is very similar to refinancing a mortgage. Consolidation loans are available for most federal loans, including FFELP (Stafford, PLUS and SLS), FISL, Perkins, Health Professional Student Loans, NSL, HEAL, Guaranteed Student Loans and Direct loans. Some lenders offer private consolidation loans for private education loans as well.
A separate page provides a comparison chart of consolidation loan discounts.
Interest Rates
The interest rate on a consolidation loan is the weighted average of the interest rates on the loans being consolidated, rounded up to the nearest 1/8 of a percent and capped at 8.25%.
For example, suppose a student has just Stafford Loans originated on or after July 1, 2006. These loans have a fixed interest rate of 6.8%. When they are consolidated by themselves, the consolidation loan will have an interest rate of 6 and 7/8ths of a percent, or 6.875%. So the interest rate increases only slightly.
If the borrower has a mix of loans with different interest rates, the weighted average will be somewhere in between. For example, if the borrower has $5,000 of Perkins Loans (at 5.0%) and $10,000 of Stafford Loans (at 6.8%), the weighted average is
$5,000 * 5.0% + $10,000 * 6.8%
------------------------------ = 6.2%
$5,000 + $10,000
This weighted average, 6.2%, is then rounded up to the nearest 1/8th of a percent, yielding a consolidation loan interest rate of 6.25%.
Note that the weighted average does not fundamentally alter the underlying cost of the loan. It preserves the cost structure by including each interest rate to the extent that it applies to part of the overall loan balance. For example, the consolidation loan in the previous paragraph says that of the $15,000 consolidation loan balance, $5,000 will be at 5.0% and $10,000 at 6.8%, yielding an equivalent interest rate of 6.2%.
If you are consolidating loans with different interest rates, the weighted average interest rate will always be in between. Don't be fooled if someone tries to suggest that this will save you money by getting you a lower interest rate. The interest rate may be lower than the highest of your interest rates, but it is also higher than the lowest of your interest rates. More importantly, the amount of interest you pay over the lifetime of the loan will be about the same.
(For the mathematically inclined, there is a slight difference due to the different shapes of amortization curves at each interest rate. In the example given above on a 10 year term, $10,000 at 6.8% has a monthly payment of $115.08 and total interest paid of $3,809.66, $5,000 at 5.0% has a monthly payment of $53.03 and total interest paid of $1,364.03. If you add these, you obtain a total monthly payment of $168.11 and a total interest paid of $5,173.69. Using the weighted average, $15,000 at 6.2% has a monthly payment of $168.04 and a total interest paid of $5,165.01. So using a weighted average yields a very small reduction in the monthly payment (in this case, 7 cents) and in the total interest paid ($8.68) due to a kind of triangle law. Of course, when you consolidate the interest rate is rounded up to the nearest 1/8th of a point, so $15,000 at 6.25% has monthly payments of $168.42 and total interest of $5,210.42, yielding a slight increase. So you pay a tiny bit of a premium for consolidation, due to the rounding up of the interest rate.
The PLUS loan interest rate loophole can reduce the interest rate on 8.5% fixed rate PLUS loans by 0.25% through consolidation.
If you were deferring the interest on an unsubsidized Stafford Loan by capitalizing it, most lenders will add the capitalized interest to principal when you consolidate. (Lenders can capitalize interest at most quarterly, but most capitalize it once when the loans enter repayment or at other loan status changes.)
No Cost to Consolidate
Aside from a slight increase in the interest rate on the consolidation loan, there is no cost to consolidate your loans. There are no fees to consolidate.
Under no circumstances pay a fee in advance to get a federal education loan or consolidate your federal education loans. There are no fees to consolidate your loans. While other federal education loans, such as the Stafford and PLUS loans, may charge some fees, the fees are always deducted from the disbursement check. There is never an up front fee. If someone wants you to pay an up front fee, chances are that it is an example of an advance fee loan scam.
Who Can Consolidate
Both student and parent borrowers can consolidate their education loans. (Students and parents cannot combine their loans through consolidation, since only loans from the same borrower can be consolidated. But they can consolidate their loans separately.)
Married students are no longer able to consolidate their loans together. This provision was repealed effective July 1, 2006. When married students consolidated their loans together, each spouse became responsible for the full amount of the loan, and the loans could not be separated if the couple got divorced. To avoid such problems in the future, Congress decided to repeal this provision as part of the Higher Education Reconciliation Act of 2005.
Students can only consolidate their education loans during the grace period or after the loans enter repayment. (Loans that are in default but with satisfactory repayment arrangements may also be consolidated.) Students can no longer consolidate while they are still in school. (The early repayment status loophole and the ability of Direct Loan borrowers to consolidate during the in-school period was repealed as part of the Higher Education Reconciliation Act of 2005, effective July 1, 2006.)
Parents, however, can consolidate PLUS loans at any time.
You Can Consolidate with Any Lender
Students and parents can consolidate their loans with any lender, even if all of their loans are with a single lender. (The single holder rule was repealed on June 15, 2006, as part of the Emergency Supplemental Appropriations Act of 2006. Borrowers no longer need to exploit the single holder rule loopholes in order to consolidate with any lender.) Direct Loans can also be consolidated with any lender. This allows you to shop around for a lender that offers a lower rate or better discounts.
Most lenders require a minimum balance before they will consolidate your loans. For example, many lenders will only offer consolidation loans for borrowers with loan balances of at least $7,500. A few lenders will offer consolidation loans for balances of $5,000 or more, and the Federal Direct Consolidation Loan program has no minimum balance for consolidation loans. (Lenders may not discriminate against borrowers who seek consolidation loans on the basis of number/type of student loans, type/category of educational institution, the interest rate on the loans, or the type of repayment schedule sought by the borrower. Lenders are, however, able to discriminate on the basis of the amount of the loans being consolidated, so lenders can set a minimum balance on the loans.)
Which Loans Can be Consolidated?
Any federal education loan can be consolidated. You can even consolidate a single loan. There are, however, a few restrictions on consolidating a consolidation loan.
You can consolidate a consolidation loan only once. In order to reconsolidate an existing consolidation loan, you must add loans that were not previously consolidated to the consolidation loan. You can also consolidate two consolidation loans together. But you cannot consolidate a single consolidation loan by itself. These restrictions have been in effect since early 2006.
Note that when you reconsolidate a consolidation loan, it does not relock the rates on the consolidation loan. The consolidation loan is treated as a fixed rate loan within the weighted average interest rate formula used to calculate the interest rate on the new consolidation loan. Consolidation does not pierce the veil on previous consolidations.
The new restrictions on consolidating a consolidation loan limit your ability to use consolidation to switch lenders. Generally, you will consolidate your loans once, toward the end of the grace period or after the loans enter repayment, and then be locked into that lender for the lifetime of the loan. If you want to preserve your ability to use consolidation in the future to switch lenders, you should exclude one of your loans from the consolidation.
Repayment Plans
Consolidation loans provide access to several alternate repayment plans besides standard ten-year repayment. These include extended repayment, graduated repayment, income contingent repayment (Direct Loans only) and income sensitive repayment (FFEL only). If you do not specify the repayment terms, you will receive standard ten-year repayment.
Consolidation loans often reduce the size of the monthly payment by extending the term of the loan beyond the 10-year repayment plan that is standard with federal loans. Depending on the loan amount, the term of the loan can be extended from 12 to 30 years. The reduced monthly payment may make the loan easier to repay for some borrowers. However, by extending the term of a loan the total amount of interest paid over the lifetime of the loan is increased.
In certain circumstances (for example, when one or more of the loans was being repaid in less than 10 years because of minimum payment requirements), a consolidation loan may decrease the monthly payment without extending the overall loan term beyond 10 years. In effect, the shorter-term loan is being extended to 10 years. The total amount of interest paid will increase unless you continue to make the same monthly payment as before, in which case the total amount of interest paid will decrease.
You do not need to pick an alternate repayment plan. We recommend sticking with standard ten-year repayment, because it will save you money. The alternate repayment plans may have lower monthly payments, but this increases the term of the loan and the total interest paid over the lifetime of the loan. See our caveat about extended repayment below.
Repayment on a consolidation loan will begin within 60 days of disbursement of the loan, unless the borrower qualifies for an deferment or forbearance.
Federal education loans, including consolidation loans, do not have a prepayment penalty. So you can pay off all or part of your federal education loans without incurring a penalty. If you want to take advantage of this, be sure to include a letter with the extra payment indicating that it should be applied to reducing your principal. Otherwise, the lender may treat it as an advance payment of the next month's monthly payment.
Tools for Evaluating Consolidation Options
FinAid's Loan Consolidation Calculator can help you understand the tradeoffs of consolidating your loans. It compares the reduction in the monthly loan payment with the increase in the total interest paid over the lifetime of the loan. It also shows you the interest rate on your consolidation loan.
Despite the switch to fixed interest rates on Stafford and PLUS loans eliminating a key financial incentive to consolidate, there are still several reasons to consolidate your education loans. These include having a single monthly payment, access to alternate repayment plans, the PLUS loan interest rate loophole, and the ability to reset the 3-year clock on deferments and forbearances. But consolidation can cut short the grace period, although the grace period loophole can work around this problem. It is best to avoid consolidating Perkins loans, because you lose several valuable benefits. Beware of extending the term of your loan, as this can increase the total interest paid over the lifetime of the loan; you can stick with standard ten-year repayment.
Before consolidating, always evaluate the benefits provided by the current holder of your loans. The loan discounts offered by originating lenders tend to be superior to those offered by consolidating lenders, since consolidation loans have tighter margins. Also, if you received a fee waiver or rebate from the originating lender, you may have to repay that discount if you consolidate with another lender. It may be possible to get some of the benefits of alternate repayment plans without consolidating, such as extended/graduated repayment with a loan term of up to 25 years and a single monthly payment, if you have more than $30,000 in federal education loan debt accumulated since October 7, 1998 with the lender. (This is due to a little known provision of the Higher Education Act, in section 428(b)(9)(A)(iv), and the regulations at 34 CFR 682.209(a)(6)(ix).)
You can change the repayment schedule on your loan once per year. So consider starting off with standard ten-year repayment on your consolidation loan. You are not required to start off with extended repayment. If you find it difficult to afford the payments, you can always switch to extended repayment later.
For More Information
FinAid has a page of common questions about consolidation.
The numerous student loan loopholes are discussed in depth in other sections of the FinAid site.
Learn more about Loan Consolidation from Citibank Student Loans.
FinAid also maintains a list of education lenders who offer federal and private student loans, including consolidation loans. |
posted by sai.gani123 @ 6:39 AM   |
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| Student Loan Consolidation Center ? What Are The Common Options And Important Facts To Consider? |
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Student Loan Consolidation Centers Have These Key Common Options And Features Outlined Below: * Student loan consolidation centers have payment options that are flexible. * There are no fees or any other charges or early payment or deposit penalties. * Does not require that one be checked for his/her credit or that one should have a co-signer. * Offers minimal rates of interest, presently 1.625% fixed interest for the period of the student’s federal loan; at present, the rate being offered by the “Department of Education” is 3.37%. Tip! New Interest Rates. With a new student loan consolidation, you may be able to get a much better interest rate. * A student can cut their payment every month by a maximum of 60% using student loan consolidation centers. * During the time of the grace period, there is a maximum of point 6% in interest rate that is deducted for consolidating loans or student credit refinancing. * One can get an added 0.25 % rate discount with student loan consolidation centers using auto debit. * Students having “Federal Direct Loans” are capable of consolidating by means of the “Federal Loan Consolidation Program” provided by the government, while still attending school. Tip! Having Simple Loan Payments. By consolidating your student loans, you only have one loan payment per month and one check to write. * A student qualifies for a maximum of 1% reduction on interest rate after paying on time for thirty six consecutive payments * A student is able to keep or maintain all assistance and allowances concerning Federal or State benefits allowed to its borrowers such as delay or deferment and forbearance. What Are The 6 Key Student Loan Consolidation Facts To Consider? 1. Student loan consolidation programs are never identical between lenders, with variations in grace periods, interest rates, late payments penalties, and loan repayment period. 2. Students must only consolidate loans which are variable or changing rates, such as the Stafford Loans, and never fixed-rate loans such as Perkins loans. 3. Interest rates for students that are already adults going to college or that they are on their way in their sixth month grace period will increase; Rates previously at 2.77 % will rise to 4.66 % starting July 1. Rates will have an increase from 3.37 % to 5.26 % for debtors that are paying their loans. 4. To lower your student loan cost and its interest rate, you can choose not to consolidate all your available student loans. You can include unsubsidized loans only or leave out loans with high interest with a low loan balance. In order to help decide which loan options are suited to you, consult and seek advice from your lender student loan consolidation center. Tip! In looking for student loans, you will want to determine exactly what types of student loans may be available to you at any given point in time. To this end, if you have selected an institution of higher learning to which you will be enrolling, contact the financial aid office at the school. 5. Married couples with a wife/husband with outstanding student loans can opt to merge or bring together consolidation of the loans. |
| posted by sai.gani123 @ 6:35 AM |
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| FEDERAL STUDENT LOAN CONSOLIDATION |
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As the end of the semester nears, it seems timely to review the issue of student loan consolidation. This week I’ll address consolidation of federal loans and will address consolidation of private loans in a separate/future tip.
A reminder about recent legislative changes (7/1/06):
- In-school consolidation is no longer an option. You will need to be out of school to be eligible to consolidate.
- You are no longer required to have multiple lenders. You can consolidate with whomever you choose even if you only have one lender. Shop for the best deal for you!
- You are no longer able to consolidate your loans with your spouses’ loans. Not a smart idea anyway, but is no longer an option.
Important consolidation considerations:
- If you have specific loans (i.e., Perkins) that may be forgiven or repaid by your employer, state, etc. Find out if they will repay/forgive federal loans in general (ok to consolidate if that is the case) or if they will repay/forgive that specific loan (in which case you don’t want to consolidate it).
- If a potential lender offers to combine your federal loans with private loans, credit cards, or any other non-federal student loan debt, RUN!
- You can AND SHOULD reconsolidate even if you have already consolidated to lock in the low rates in prior years (4.7% last year; 2.77% prior year, 2.82% before that). It will be necessary in order to “move” the loans to a lender that will offer you the best borrower benefits. Since your rate is a calculated “weighted average,” doing so will not have a negative impact on your rate.
- Some people are afraid to consolidate because their repayment will be extended (obviously resulting in more interest paid over the life of the loan). Keep in mind that you can select a short repayment time when you consolidate – you can also choose to pay whatever monthly amount you want (NO LEGITIMATE PROGRAM will assess a penalty for you paying off the loan early).
With all of the offers I get, how do I decide where to consolidate?
The first point I want to make here is that a federal consolidation loan is a federal consolidation loan – in other words, your ability to defer your loans [or other governmentally ‘set’ terms of the loan] will be the same regardless of who your lender is. Many people consolidate with the government because they assume they will have more ‘benefits’ than other programs. The reality is that the benefits of the loan will be the same regardless of who the loan is through. What then is the difference? The financial benefits companies offer – ultimately, that is the “bottom line” and the only meaningful difference between consolidation programs.
My experience with student loan consolidation over the past several years has drawn me to one primary conclusion – the “financially smart” option is not going to be the same for each student. It is largely a factor of how you plan to repay your debt. Let me offer up some examples. An average consolidation program will offer interest rate reductions for automatic payment and for paying on time (typically for 3 or 4 years) – for most, these will total 1.25% (.25% for auto payments; 1% for 36-48 on-time payments). Interest rate reduction benefits are great if I’m in a situation (because of the low rate I’ve consolidated at and/or my financial goals, my starting salary, or other potential factors) where I am interested in extending the repayment of my debt (more than 8 years in the scenario I will illustrate below). My ability to extend my debt will be based upon the amount I borrow, but I can potentially extend the debt anywhere from 12 years to as many as 30. Obviously if I plan to pay the debt back in a couple years, this type of program isn’t very beneficial because the only benefit I will get is the .25% for auto pay. Thus, if this is my objective, I should seek out a company that instead of an interest rate incentive, their benefits are ‘principal balance’ credits. These are normally advertised as “consolidate with us and receive as much as $2,000 cash back!” I’ve seen more than one professional student where they would save over $100,000 in interest over the life of the loan repayment because of the interest rate reductions. This offer obviously wouldn’t make much sense for them to get excited to consolidate to receive a paltry $2,000 benefit …
Below, I have provided examples of the best borrower benefit programs I have currently seen for each different repayment scenario. There are some points, however that I want to emphasize as you evaluate personal considerations:
(1) These are general guidelines/rules of thumb – run the numbers to see what makes the most sense for you. Do your own homework – use these resources as guidelines as you try to find better options [which if you do, make sure to let me know].
(2) Read the applications for any caveats. For example, the Key Bank credit (quick repayment example below) is foregone if you defer or forebear the loans during the first 3 months of repayment. The Educational Loan Company programs require you to have a minimum loan amount ($30,000 in the extended repayment program; $15,000 in the intermediate program example). So read through the details to make sure the program will fit with your situation.
(3) Be smart. Take a few minutes to figure things out. There’s a lot of dollars on the table for most students. It’s worth your time to talk to someone about things. Consider all options – most states offer consolidation programs. I list North Carolina because it has the best benefits with limited restrictions (you can create a 'connection' to NC in about 5 minutes with $5 by opening a 529 account). Some states have more restrictions, some have none. If you went to school or lived somewhere else, take a look at their program to see what type of benefits their program offers.
QUICK REPAYMENT (1-3 years)
Key Bank
* .25% interest rate reduction for auto pay
* 5% principal balance credit
FinanSure
* .25% interest rate reduction for auto pay
* 4.5% principal balance credit
EXTENDED REPAYMENT (8+ years)
Educational Loan Co.
* .25% reduction for auto pay
* 2.25% reduction after 48 on-time payments
The Loanster
* .25% reduction for auto pay
* 2% reduction after 36 on-time payments
North Carolina
* .25% reduction for auto pay
* 2% reduction after 48 on-time payments
INTERMEDIATE REPAYMENT (3-8 years)
Educational Loan Co.
* .50% reduction for auto pay
* 1.25% reduction after 48 on-time payments
* FYI – The Department of Ed (Direct Loan consolidation program) offers a .25% reduction for auto pay. The MOHELA consolidation program offers similar benefits (.25%).
SimpleTuition.com.
While at a conference last month in Illinois, I ran across a great resource for evaluating consolidation offers that I’d like to share. It provides an unbiased way to compare consolidation options from any lender. All you need to do is enter your federal student loan information, then compare and sort the options that are customized for you. If the program you’re considering isn’t listed, you can enter the details of the program and it will help you evaluate it. You can sort by such items as monthly payment, total loan cost, loan term, APR. You can then conduct side-by-side comparisons with the companies that you narrow your decision down to … pretty nifty [and free].
I’m currently working with Simple Tuition to get a Mizzou-tailored resource – it’s currently in a demo stage, but I’ve requested that they provide information about North Carolina, Educational Loan, and other companies that provide better benefits than others but [currently] aren’t available on their main site. The demo site is: http://demo.simpletuition.com/missouri. As it is a work in progress, I would be interested in your feedback about the site, usability, other consolidation programs that should be included, etc.
Consolidation Resources.
The OFS website offers numerous consolidation resources. Calculating your weighted rate average [if you have consolidated in the past or have loans (i.e., Perkins) with various rates]; calculating your loan payment; consolidation strategies; repayment options; information about state consolidation programs, etc. Simply click on the ‘student issues’ button. |
| posted by sai.gani123 @ 6:34 AM |
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| Student Loan Consolidation |
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Loan consolidation is the process of taking a new loan to pay off an existing loan. Irrespective of the type of loan, loan consolidation is usually a fantastic way to pay the remaining amount of an existing loan at a lower interest rate or APR. Today student loans are one of the major contributing factors aiding student education the world over. In the United States alone, student loans are one of the most popular ways to pay for tuition and college education fees. Student loan consolidation is a good idea to finish paying a student loan once an individual starts earning, and does not want to pay a high APR that he might have previously agreed to.
The reasons for student loan consolidation can vary but the most popular reasons for student loan consolidation are:
• To get a lower APR by taking a new loan
• Paying the remaining amount on an existing loan in a single bulk payment
• Making outgoing payments simpler, by merging all loans into a single loan.
Let’s take a look at some of the points mentioned above:
It might be possible that at the time of accepting the terms and conditions of the student loan, the student had no option but to accept the high APR, or the student loan might not have a high APR but a newer loan is actually offering a lower APR. In either case student loan consolidation is primarily carried out to save money. However, before going ahead and starting loan consolidation make sure that there is no ‘fine’ or ‘processing’ fee involved for paying the remaining student loan amount in a single payment. Usually loans are flexible and the company does not mind getting all its money back, however sometimes when an individual starts loan consolidation, the company that had given the original loan looses money on the interest, and hence usually do charge a fee to make up for the interest lost.
Before starting student loan consolidation the individual should make sure that the loan consolidation is actually saving money, agreed that the APR might be lower, however the whole exercise is pretty futile if the savings on interest are made up for in processing fees, or an early payment fine. If the individual wishes to pay the remaining student loan amount by making a bulk payment, in that case too it is essential to check the financial implications of student loan consolidation.
Both scenarios require a little bit of research and reading all the paperwork involved is a must; however there is no denying that student loan consolidation almost always saves an individual’s money by reducing the APR payments, and also allows more flexible terms of payment. Usually student loans have a high APR as they are essentially high risk loans (in fact this is the reason why a private student loan usually requires a co-signer). If you are currently paying instalments on a student loan, then you should look towards consolidating the student loan, the chances are that you will end up saving money.
In the rare case that you are actually looking for a loan to make sure you do not default on an existing student loan, loan consolidation is also an option, however you should make sure that you do not become a victim of predatory lending, a company might see your desperation and actually offer you loan consolidation at a high APR and also charge additional processing fees, it is therefore important that you fully understand the implications of the student loan consolidation that you are entering. Another very important thing to remember is that a credit check is run every time you apply for a new loan, so if you are considering loan consolidation, do so only if you are confident of the loan being approved. |
| posted by sai.gani123 @ 6:33 AM |
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| 600 Keywords that Make Money Online |
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Courtesy of a posting on 4rum.info by Rishi Modi, here is a list of 600 of the highest paying keywords online today. As expected, the list is dominated with insurance, mortgage and financial keywords. If you already have a site in these industries, then these are the words you should be focusing most of your SEO efforts on. If you don’t have a site in this industry, then I would recommend that you steer away unless you truly believe you have the SEO Jedi skills to get a brand new site ranking. For those of you who may be wondering how you can make money from this list, then let me give you a very basic run down of what you need to do. 1) Build a Website in a related industry. 2) Rank on Google for one of these keywords 3) Maximize the use of Google Adwords on your site. Here’s where the money starts to roll in. Someone does a search for “secured loans.” They click on your No. 1 ranking on Google. They are now on your site and have “secured loans” on the mind. They see the Adsense Ads on your site and click on them since those ads are related to the content you have on your site. Then you earn part of the $62.68 average price per click financial institutions are paying for this ad. Pretty simple, huh? and now, the list with average price per click ( I did a check with SEO for Firefox and the prices are high, but probably $10-12 dollars less than what these prices say, but the list is pretty accurate in terms of high priced keywords): secured loans $62.68
consolidate student loans $60.25
find car insurance $58.56
find car insurance $58.56
no closing cost refinance $55.44
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affordable car insurance quote $53.42
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mortgages for bad credit $50.72
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| posted by sai.gani123 @ 6:25 AM |
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| Student Loan Consolidation Experts |
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student loan consolidation Experts
Well, college is by and it's moment to move on with life. The only problem is that you've got a bunch of student loans you have to pay back each month, which makes it a lot harder to get by on the income you're earning from your new job. whether you find your student loan payments hard to afford, let alone trying to remember when every payment is due, next perhaps it's instance to talk to a student loan consolidation expert. (…) |
| posted by sai.gani123 @ 6:24 AM |
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| Student Loan Consolidation Online |
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student loan consolidation Online whether you've already decided you want to consolidate your student loans, next why not apply online and save yourself some hassles? Many sites nowadays offer loan counselors who can help you out by answering any questions you might have and recommending the loan product that is best suited to your needs. All you need to do is fill out the essential forms. prepare certain you fill out all the sections, although most forms will remind you whether you've missed anything. (…) |
| posted by sai.gani123 @ 6:23 AM |
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| Consolidating Your Student Loans Can Give You A Big Financial Benefit |
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(…) The Payoff of student loan consolidation Consolidating your student loans can manufacture a big difference to your financial situation once you graduate from college. Paying multiple student loans can leave you with quite a big bill every month, let alone the confusion of making different payments on different dates. By consolidating, too, you can lock in your interest rates at some of the lowest we've seen in a distant instance, so you can be confident of having lower repayments for some instance.
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| posted by sai.gani123 @ 6:22 AM |
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| Tips For Consolidating Your Student Loans |
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Tips For Consolidating Your student loans
As a student, you have access to two main types of student loans. Firstly, there are federal student loans, which are given by the government. Secondly, there are private loans. (…)Original post by Student Loan Consolidation |
| posted by sai.gani123 @ 6:20 AM |
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