Consolidating federal stafford student loans Chattes 2013

If you don’t think you meet the requirements, don’t worry – as you can apply with a cosigner to increase your chances of getting approved for a better student loan.

Disclosure: Student Loan Hero is a free website to help student loan borrowers.

Making the Decision to Consolidate Your Student Loans Consolidating Your Federal Student Loans Consolidating Your Private Loans Community Q&A Most students need to borrow money to pay for college, and many struggle to make their payments after graduation.

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Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life.

If you’re having a tough time juggling multiple student loan payments, consolidating them may be the way to go. If you have questions about consolidation before you apply, you can contact the Education Department’s Loan Consolidation Information Call Center at 1-800-557-7392.

C."That new loan will have its own interest rate; it will have its own repayment terms; it will have its own terms and conditions," she says.

This can be attractive to borrowers because the consolidation frequently results in longer repayment periods and lower monthly payments.

But if you borrowed to pay for college, much of your mail will come from lenders, urging you to consolidate your student loans. For years, loan consolidation has allowed borrowers to reduce their monthly payments and avoid interest-rate increases.

But lenders will be even more aggressive this year than in the past, predicts Kevin Walker, CEO of Simple Tuition, a loan comparison website.

When you apply for a Direct consolidation loan, you will want to continue to make payments on your federal student loans right up until you receive notice from your federal student loan servicer that your loan has been paid off.

When you apply, you select a student loan servicer and a repayment plan (learn more about Any questions you have about your loan application should go to the student loan servicer you selected for your consolidation loan.

When you apply, most banks and lenders will look at your credit score, annual income, savings, and college degree type (or certificate of enrollment if still in school).

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