Pros cons consolidating federal loans


20-Sep-2019 22:29

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You may lose some borrower benefits: If you decide to combine all your loans, you may lose certain borrower benefits.

For instance, with your original federal student loans, you may qualify for loan forgiveness.

You need to think through carefully, do your research, speak to the lender and evaluate the pros and cons so that you know for sure that you are making the right decision given your circumstances.

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This can go on for several years after you graduate from college.

In trying to stay on top of their debt, many individuals consider consolidating their student loans. When you consolidate your student loans, you take multiple student loans and convert them into one single loan.

Your stress levels can go up several notches as you wonder whether you will be able to repay all loans in time. ” might be one of those questions you keep asking yourself at the beginning of every month.You may end up paying a higher rate of interest: If you consolidate your federal student loans and the new term is extended over a longer time period, you will inevitably end up having to pay a higher rate of interest overall.Done this way, you will eventually pay a much higher amount than you would have had to pay if you had not consolidated your loan.This of course depends on the type of loan consolidation that you opt for.

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You may have to pay an origination or processing fee: While not all lenders charge an origination fee, some lenders may charge anywhere up to 2% of the total amount as a fee for processing your consolidation.College may be over and done with (or nearing it), but your student loan balance is far from.



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