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Alternatives to Federal and Private Student Loan Consolidation – federal student loans consolidation

August 30th, 2011

Alternatives to Federal and Private Student Loan Consolidation

Alternatives to Federal and Private Student Loan Consolidation

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Home Page > Finance > Debt Consolidation > Alternatives to Federal and Private Student Loan Consolidation

Alternatives to Federal and Private Student Loan Consolidation

Posted: Jun 26, 2010 |Comments: 0
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Do you owe a lot in student loans but recently graduated with a degree in law, medicine, or education?  If so, you could have all or part of your loans paid off by certain government programs.  Read on to learn more.

Consolidating your student loans, whether they are federal or private, makes a lot of sense. Instead of managing multiple loan payments you make just one consolidated payment each for your federal and/or private loans. Doing so frees up more of your money each month to pay other bills and, depending on the terms of your consolidated loans, you may have more time to pay them back. You may also pay less in interest.

While consolidation is a great idea, there are options that can work out even better. By taking advantage of certain government programs, you can get all or part of your debts paid off through community or private service in your profession. Did you know that if you are a doctor or nurse and commit your services for a certain period to help people in low income areas, then you can have up to ,000 of your student loan paid off through the National Health Services Corps? Talk about killing two birds with one stone. Not only do you get to help out the community but you also have a huge weight lifted off your shoulders. You also gain some invaluable experience which looks great on your resume. Similarly, if you are in the teaching profession, you can take advantage of certain benefits available through the Department of Education. If you agree to tutor low-income students in designated areas for a prescribed period, the government may forgive your federal student loans entirely. Lawyers also have the ability to have their debt reduced or eliminated by working pro bono (or at low wages) providing legal consultation services to the less fortunate for a certain amount of time.

Always bear in mind that paying off your student loan does not have to become a burden. If things get rough, there is help available. If you do all your research and exercise the options that we’ve described in this article, you have a great opportunity to help out the community and get your loans paid off sooner than later.

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For comprehensive information on consolidating federal and private student loans, visit our Student Loan Consolidation guide. Be sure to log on now to find out all you wanted to know about consolidating student loans including current rates, programs, tips, do’s and don’ts, and answers to frequently asked questions.

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For comprehensive information on consolidating federal and private student loans, visit our Student Loan Consolidation guide. Be sure to log on now to find out all you wanted to know about consolidating student loans including current rates, programs, tips, do’s and don’ts, and answers to frequently asked questions.

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Student Loan Consolidation – What Is It and What Can It Do For You? – federal direct loan consolidation

August 26th, 2011

Student Loan Consolidation – What Is It and What Can It Do For You?

Student Loan Consolidation – What Is It and What Can It Do For You?

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Home Page > Finance > Loans > Student Loan Consolidation – What Is It and What Can It Do For You?

Student Loan Consolidation – What Is It and What Can It Do For You?

Posted: Jan 17, 2011 |Comments: 0
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Do you have multiple student loans tearing enormous holes in your pockets?

Do you want to learn how you can save money on your loans, get a better interest rate, and save hours of time on monthly paperwork?

Student loan consolidation is one of the best ways for you to do exactly that. And as you read this article I’m going to tell you how you can consolidate your loans to breath new life into your wallet.

By the time you’ve finished reading this article you’ll know:

What Exactly is Student Loan Consolidation?

Who is the Best Candidate for Loan Consolidation and Why?

What Type of Loan is Best For Your Needs

As you continue to read you’ll become a veritable expert on loan consolidation! That sounds pretty good, right?

So, What Exactly is Student Loan Consolidation?

Basically, loan consolidation is the practice of taking out one big loan to pay off all of your smaller loans. To be more specific than that you’ll have to first pick out what type of loan you want to consolidate to, but I’ll talk more about that later.

The benefits of doing this are numerous:

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You can get a Longer Term Loan to spread out your payments better

You can get a Better Interest Rate to save yourself money

You can get a Private Loan to avoid dealing with the Federal Government

You can save yourself the hassle of filling out multiple loans’ paperwork each month

As you can see, under the right circumstances it seems foolish NOT to consolidate your loans. So who exactly is the best candidate for this practice?

Who is the Best Candidate for Consolidating Loans?

Well, it’s pretty simple actually. If you’re still in debt coming out of college then I’m willing to bet that you have multiple loans you need to pay off. In fact, I’d be willing to be that you’re really struggling to pay off the loans you already have, simply because of high interest rate and being responsible for so many loans.

I mean come on, it’s a lot to keep track of!

So if your a student or grad and you’re struggling to get out of debt, or just want to pay off all your loans as fast as possible, then student loan consolidation is a great idea for you.

What Type of Loan Should You Apply For?

To be honest a lot of this is going to be your own research. However, I can give you a few pointers in the right direction.

Here are a few questions you might ask yourself:

Am I Eligible for Any Special Deals on Federal Loans?

How Long Do I Want My Repayment Period to Be?

Do I Want to Guarantee Myself a Low Interest Rate (Hint: Go for a Fixed Rate Loan)

Would I Rather Take the Chance Interest Rates Will Go Down?

What Private Loans am I Eligible For? (Oftentimes these are the best deals)

How Much Interest Am I Paying Right Now? (You’ll have to figure your weighted average interest rate)

As you can see there’s a lot for you to consider before proceeding to consolidate all of your loans. However, if you take the time to shop around for the optimal loan, chances are you’ll be able to save yourself thousands of dollars.

Now listen, I’m willing to bet that you still have a few questions about all this…And that’s totally natural! Believe me, I know…Loans are an extremely confusing subject.

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There’s no reason for you to continue struggling to make your student loan payments on time every single month. There’s no reason to continue fighting your way out of debt.

Check out the article below for more information:

Attention In-Debt College Grads! 5 Steps to Fixed Rate Private Student Loan Consolidation

Everything you need to get a great deal on a Fixed Rate Loan!

Thanks for reading!

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There’s no reason for you to continue struggling to make your student loan payments on time every single month. There’s no reason to continue fighting your way out of debt.

Check out the article below for more information:

Attention In-Debt College Grads! 5 Steps to Fixed Rate Private Student Loan Consolidation

Everything you need to get a great deal on a Fixed Rate Loan!

Thanks for reading!

– federal direct loan consolidation

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