” Gameplan your solution around answering those questions to help find the best option.Dealing with long-term debt can be difficult, but having a strategy and tools can help.
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Loans that can be consolidated include direct subsidized and unsubsidized loans, subsidized and unsubsidized Stafford loans, direct PLUS loans, SLS loans, Federal Perkins loans and Health Education Assistance loans, among others.
Private education loans are not eligible for consolidation.
You can only consolidate student loan debt once, which means that if you consolidate today but would have realized greater benefits by consolidating two years from now, there is nothing you can do.
There is an opportunity cost with student loan consolidation.
You are likely to lose any grace periods that your loans currently enjoy after a loan consolidation, meaning that you have to begin making payments immediately.
Sometimes a new lender delays your payments to compensate for this, but not always.Federal student loan consolidation doesn’t involve a credit check, you may be able to lower your monthly payment and there could be other benefits, such as being eligible for more repayment plans or forgiveness programs.With private student loan consolidation, a private lender repays your student loans, which may include private and federal loans.Many students graduate with more than one student loan, and some graduate with as many as a dozen or more.If you currently have multiple student loans, you could benefit from a consolidation loan on your student debt.It is also possible to move into an alternate repayment plan to accommodate your changing life circumstances.