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PostWysłany: Czw 16:03, 10 Mar 2011    Temat postu: choo 2104

Benefits and Disadvantages of Student Consolidation Loans
What is consolidation?
Student loan consolidation is when you gather up all your student loans and hand them over to one company that charges you one monthly rate. The main benefit of consolidating is that your monthly payment will be lower.
Additional Benefits:
Getting a lower interest rate is only one of the benefits of consolidating. Here are a few more benefits:
-One payment per month: Consolidating simplifies your finances by allowing you to write only one check instead of several checks.
-Smaller fee: You can reduce your monthly payment.
-Helps build credit: Once you consolidate, your new lender will pay off your previous debts and join them to make 1 new one. Because your former loans were paid in full, your credit rating improves.
-Lock in interest rate: If you had federal loans the interest rate fluctuated every year on July 1st. By consolidating you'll lock in one low rate.
Student consolidation loans are wonderful because of how simple they are to get. You are not required to be employed, have collateral or a cosigner to consolidate your loans. Furthermore, good credit is not needed!
Disadvantages:
Don't scuttle away to consolidate your loans before you read the following: Each choice you make will have some sort of downside. Explore the ups and downs of consolidation before you join your loans. Below are a few drawbacks you ought to think about:
-From time to time interest rates lower. If you have consolidated,[link widoczny dla zalogowanych], you are stuck with one rate.
-After consolidation there is no way to go back to the way it was before,[link widoczny dla zalogowanych], or in other words "unconsolidated.
-New terms: Your new consolidation loan will have different terms than your old loans did.
-If you [link widoczny dla zalogowanych]se to extend the life of the loan you will wind up spending more (in interest) than you would have.
Since we have reviewed the pros and cons of consolidating your student loans,[link widoczny dla zalogowanych], you should know if you can get one. To be eligible for federal student loan consolidation, you must meet a couple requirements. You have to have greater than ten thousand dollars in federal student loans. You must be graduated as well. Finally,[link widoczny dla zalogowanych], you must repair any defaulted federal loans before you will be allowed to consolidate.
NOTE: Use of this article requires links to be intact. To learn more about Student Loan Consolidation please visit the Student Loan Consolidation page. A college student herself, Elise Fisher enjoys writing articles for her website About-Student-Loans. com.Topics related articles:


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