Current rates for consolidating student loans


28-Oct-2020 06:24

Loan consolidation can also give you access to additional loan repayment plans and forgiveness programs. If you want to lower your monthly payment amount but are concerned about the impact of loan consolidation, you might want to consider deferment or forbearance as options for short-term payment relief, or consider switching to an income-driven repayment plan for longer-term payment relief.

There is no application fee to consolidate your federal education loans into a Direct Consolidation Loan. Department of Education (ED) or ED’s consolidation loan servicers. Once your loans are combined into a Direct Consolidation Loan, they cannot be removed.

Student loan consolidation is a process through which you take out a new loan, which is then used to pay off your other existing student loans.

Instead of having multiple loans and loan payments, you have only one.

This is one reason that, if you have both types of loans, you may want to consolidate them separately (see below).

Also: You can also always keep separate a single loan that has especially good borrower benefits.

A Direct Consolidation Loan allows you to consolidate (combine) multiple federal education loans into one loan. Similarly, if you have Federal Perkins Loans and you are employed in an occupation that would qualify you for Perkins Loan cancellation benefits, you should not include your Perkins Loans when you consolidate.

current rates for consolidating student loans-48

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A Direct Consolidation Loan has a fixed interest rate for the life of the loan. When you apply for a Direct Consolidation Loan, you don’t have to consolidate all of your eligible loans. If consolidation would cause you to lose the benefits associated with some of your current loans and you are working toward earning those benefits, you should not include those loans in your new Direct Consolidation Loan.This depends on where you are in the consolidation process.

To ask questions about consolidating your loans before you apply for a Direct Consolidation Loan, contact the Student Loan Support Center at 1-800-557-7394.

Borrowers have different needs, so there are several repayment plans—including income-driven repayment plans, which base your monthly payment amount on your income and family size.



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