Consolidating federal school loan age and dating

Kimberleena, Welcome to forums : DConsolidation is definitely a good option for federal student loans.Student loans are such liabilities that cannot be discharged through bankruptcy, nor do they have any statutes of limitation.

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I have been paying my school loan as promised for over 4 years.

I keep getting offers in the mail to consolidate for a lower interest rate. Would doing something like this negatively impact my credit score?

No negative entry will be there in your report and it will definitely have a positive impact on your credit.

That is why student loan consolidation is regarded as a nice tool to improve your score.

However, once you move federal loans out of Department of Education programs (and into a private program), you’ll give up the benefits that come with federal student loans — your loans will become those benefits, but you should at least know what’s at stake.

When you borrow from private lenders (including when you refinance), you need to qualify for the loan based on your credit and income. Lenders want to see that you've successfully borrowed money and repaid other lenders.

To identify your current plan with Great Lakes, and to investigate other plans, select tab to estimate your monthly payment under various repayment options.

You may be able to change plans at any time, based on eligiblity requirements.

For more information of the specific loan terms, please visit the Loan Consolidation home page.

Maximum Loan Length: 10-30 years Frequency of Payments: Varies Prepayment penalties: None Fees: None You apply for a Direct Consolidation Loan through Student

Your interest rate becomes a weighted balance of your existing loans, and you can choose a new payoff period.


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