How to Manage Multiple Student Loans

Today, it is not uncommon for college students to apply multiple student loans to finance their studies. With clear objectives and financial records, all students should be able to get loans for education they need. Problems with multiple student loans may come as soon as the borrower (either students or their parents) have to repay what they borrow. Various amounts of loans with different interest rates and various terms of payment are not easy to handle and is very easy to get between them. Also, when a student is in financial trouble after his / her graduation, repayment of loans can be a tremendous burden.

To resolve these problems, you can apply for a student loan debt consolidation which combines all the borrowed funds. By consolidating several loans, you only need to pay a lender each month. In addition, you also get other benefits such as a fixed interest rate and a longer period of repayment. The rate is actually the weighted average interest rates on all loans. Since the rate is rounded to 1 / 8 of a percentage point, which could end up with a slightly lower interest rate or higher. The repayment term, however, ranging from 10 to 30 years depending on the amount of the loan and other considerations that will save up to 50% payment per month.

It usually helps students cheaper federal FFELP (Stafford, PLUS and SLS), NSL, FISL, HEAL, Perkins Loans, Guaranteed student loans Student Health Professionals, and all direct loans can be consolidated into one loan. If you have private student loans, however, check with your lender about the possibility of consolidation from multiple lenders also offer private consolidation loans. Lenders that offer this service include the network of student loans, Chase, Wells Fargo and NextStudent.

All students and parents with educational loans are invited to apply for loan consolidation. However, students and parents of the same family can not combine their loans together into a master loan so they must be ordered separately. The regulation stipulates that only students multiple financial aid under the same borrower can consolidate. The same rule also applies to married students. Therefore, their educational loans should also be consolidated separately. This regulation is activated by July 1, 2006 to overcome the problems that affect students divorced from consolidation loans can not be separated.







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