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Benefits of a Debt Consolidation Loan
There are many benefits in choosing a Debt Consolidation Loan, some of which are listed below: May be able to reduce your monthly payments. Can take off some of the pressure you may be under from your existing creditors. You will have only one...
Consolidating Debt - How To Get The Lowest Interest Rate On A Debt Reduction Or Consolidation Loan
To get the lowest interest rate on a debt consolidation loan,
you need to research terms and rates. Lenders realize to remain
competitive, they must offer low rates. A difference as little
as a quarter percent can save you hundreds a year. The...
Debt Consolidation Companies: Common Pitfalls to Avoid
It's difficult not to notice the incredible growth that there
has been in companies offering debt consolidation programs and
solutions over the past few years. At first, debt consolidation
companies were some of the biggest advertisers on the...
Debt consolidation…Reduce your monthly debt payments now.
Debt consolidation is frequently becoming a very familiar term used in these consumer frenzy-spending times when everything that is available to purchase is often presented with the availability of a hire purchase agreement.
While the goods...
Know Your Debt Consolidation Options
Nobody likes being in debt or the additional stress it adds to their life. Additionally, most individuals have some form of debt that is weighing heavily on them and they simply want to get rid of it. If you are in this situation then you might...
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An Overview of Student Loan Debt Consolidation
A student loan debt consolidation loan allows you to combine
your federal student loans into a single loan with one monthly
payment. The repayments of a student loan debt consolidation
loan can be significantly lower than the payment required under
the standard 10-year repayment option. Under the Federal Family
Education Loan (FFEL) Program, banks, secondary markets, credit
unions, and other lenders provide the student loan debt
consolidation loan. Under the William D. Ford Federal Direct
Loan (Direct Loan) Program, the federal government provides the
student loan debt consolidation loan.
Most federal education loans are eligible for inclusion in a
student loan debt consolidation loan, including subsidized and
unsubsidized Direct and FFEL Stafford Loans, SLS, Federal
Perkins Loans, Federal Nursing Loans, and Health Education
Assistance Loans. However, private education loans are not
eligible for inclusion in a student loan debt consolidation
loan.
To find out which loans can be included in a student loan debt
consolidation loan contact the Direct Loan Origination Center's
Consolidation Department if you're applying for a direct student
loan debt consolidation loan. Contact a participating FFEL
lender if you're applying for a FFEL student loan debt
consolidation loan.
It is worth noting that you are still eligible for a student
loan debt consolidation loan after you graduate, leave school,
or drop
below half-time enrollment. You can also get a student
loan debt consolidation loan while you're in school. You must,
however, be attending at least half time and have at least one
Direct Loan or FFEL in an 'in-school period' which generally
means that you have been continuously enrolled at least half
time since the loan was disbursed. There are a number of
conditions that need to be met for you to qualify for a student
loan debt consolidation loan, especially if you are delinquent
or in default and your loan holder will be able to give you all
the necessary information.
If the same holder holds all the FFEL loans you want to
consolidate, you must obtain the student loan debt consolidation
loan from that holder, unless you haven't been able to get a
loan with income-sensitive repayment terms that are acceptable
to you. To be eligible for a William D. Ford direct student loan
debt consolidation loan, you must have either a direct Stafford
subsidized or unsubsidized loan that will be included in the
student loan debt consolidation loan or have at least one
Federal Family Education Loan (FFEL) program Stafford subsidized
or unsubsidized loan.
Get out of debt - debt
help and relief guide.
About the author:
Angela Rogers is the editor for http://www.debt-helper.info -
Your guide to debt help
and debt consolidation.
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