Best lenders for consolidating student loans


27-Jan-2018 01:28

WARNING: It is very dangerous to consolidate federal loans into a private consolidation loan.

You will lose your rights under the federal loan programs once you choose to consolidate with a private lender.

If you’re a college student or recent graduate, then you’ve probably thought more about student loans and how to pay them off than you’d like.

With so much information out there, it may be difficult to figure out your best course of action.

Consolidating them into one payment can lower monthly payment requirements by 67% or more. Unless consolidation happens, there is no way to lock in the interest rate, which means there is no actually guarantee on the amount that needs to be repaid over time. Automatic payments, a certain amount of on-time payments, and other actions can often reduce the interest rate on a loan by as much as 2%. It allows you to pay extra on your student loans each month.

Because there are lower minimums with a consolidated student loan, it becomes possible to pay them off much more quickly by paying down the principal amount when there is extra money floating around. If you can lock in an interest rate of 3% on your student loans, but receive a 10% return on the investments you’re making, then what you have is called a “good debt.” It means your returns outpace the debt interest that you must pay to stay current.

[Back to top] Applying for consolidation takes most borrowers less than 30 minutes, according to the Federal Student Aid website.

Direct consolidation loans are now the only type of federal student consolidation loan.



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