Student Loan Consolidation
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Federal Direct Consolidation Loans

Federal Direct Consolidation Loans are run by the US

Department of Education and provide a means to combine

multiple Federal loans into one.

You can apply online for the Federal Direct Program by

visiting the website at https://loanconsolidation.ed.gov/appentry/appindex.html.

State Student Consolidation Loans

Several states offer consolidation loans as part of their

education loan programs. Check with your state to see if they

have a loan consolidation program.

Private Student Consolidation Loans

Private loans can not be consolidated under the Federal Direct

Plan. If you can't qualify for the federal and state student

loan consolidation programs because you have private loans,

there are many lenders who make private consolidation loans

available to students. Check with your own lenders first to

see if they have a consolidation program.

About The Author Ken MacKenzie is a successful writer and online entrepreneur. He has developed http://www.college-loans.us as a portal for presenting articles, information, resources, news and links about college scholarships, grants and loans. Copyright 2005, Ken MacKenzie http://www.college-loans.us You have permission to publish this article in your web sites, newsletters, ezines or electronic publications, as long as the complete article is used including the resource box, all links (clickable) and copyright information.

Student Loan Consolidation
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Additional Government Grants Resources

American Schools and Hospitals Abroad Program
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National Institutes of Health funds the Improving Adherence to Treatment Regimens for HIV-Positive Adolescents and Young Adults
The National Institutes of Health has recently established a program entitled Improving Adherence to Treatment Regimens for HIV-Positive Adolescents and Young Adults wherein they intend to kick-off research studies that will create, implement, and evaluate both old and new interventions that are geared towards improving adherence to medical and behavioral regimens for HIV-positive adolescents which are 11 to 21 years old and adults who are 21 to 24 years old.

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Homeownership Program for First Time Homebuyers in Connecticut
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Second Mortgage Loan Program and Mortgage Credit Certificate for Homebuyers in North Carolina
One of the more popular programs is the FirstHome Mortgage Program for First Time Homebuyers which offer significantly low interest rates and a rather low fixed 30-year mortgage plan.

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