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Certain public service workers may qualify for loan forgiveness in just 10 years.

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And that mix of debt might include both federal loans backed by the U. government, and private loans from a bank or credit union.

The fixed rate is based on the interest rates on the loans you are combining.

The bigger the balance for a given loan, the more impact its interest rate will play in determining your consolidated loan rate. Anyone with one or more federal student loans is eligible for the Federal Direct Consolidation Loan Program.

Student loan consolidation, which is also called student loan refinancing, comes in two main flavors: Getting schooled on the differences of each option will help you choose the student loan consolidation that makes the most sense for you. You are not permitted to add any private student loans you obtained from a bank or credit union into loans you want to consolidate through the Federal Direct Consolidation Loan program.

There is no fee to use the Federal Direct Consolidation Loan Program. The interest rate on a Federal consolidation loan is a fixed rate, meaning it will not fluctuate from month to month or year to year.




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