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by: Ken MacKenzie
Why Consolidate Your Student Loans?
It's January of your senior year and time to start thinking
about all those loans you took to help pay for college.
Between Stafford Loans, Perkins Loans and all the rest,
between subsidized and unsubsidized you begin to realize
that a year from now you will have run out of grace period
and have to start paying back all those loans. You're going
to be paying back eight different loans at eight different
interest rates and eight terms. It's time to start thinking
about a student consolidation loan.
A student consolidation loan could be worth it just to
simplify your repayment schedules. But more importantly, if
you can get a loan with a lower interest rate than you are
paying on your school loans, then you can save yourself
some money. If the consolidation loan extends the length of
your student loan payback term, then it may have the added
benefit of lowering the monthly payment now (when you
aren't making a large salary). You can always increase your
payments as your salary grows.
How to Consolidate Your Student Loans
After deciding to consolidate your student loans, the next
step is to figure out how to go about it. You may have
several choices of lenders, and what you choose could affect
the amount you ultimately pay. Choose carefully.
The Department of Education provides the Federal Direct
Consolidation Loans Program. Numerous states have student
consolidation loans, some for your federal loans and others
for your state loans. Then there are private lenders offering
consolidation loans as well. You might first check with your
current loan providers to see what they have to offer. They
may have a better deal for current customers.
(continued...)
Student Loan Consolidation
Page 2
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.
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