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Consolidating multiple credit accounts into one new loan with a single payment may help you lower your overall monthly expenses, increase your cash flow, and eliminate the stress of multiple monthly payments.

When you're choosing the term of a loan, consider the total amount of interest and fees you’ll pay.

Consolidating multiple loans means you'll have a single payment each month for that combined debt but it may not reduce or pay your debt off sooner.

By understanding how consolidating your debt benefits you, you'll be in a better position to decide if it is the right option for you.

For most borrowers, federal loans are the better option. On some types of federal loans, the government subsidizes (pays) the interest while the borrower is still in school.

Before you determine the best plan, you can use this repayment estimator to see which plans you may be eligible for and see approximately how much you will pay each month and in total.Loans are the one universal element of financial aid packages. Private loans are subject to a credit check and underwriting.(People with drug convictions, who are incarcerated or subject to involuntary civil commitment after incarceration for a sexual offense, and non-U. The best terms (comparable to the terms on federal loans) are only available to borrowers with outstanding credit and often require a cosigner.The school’s financial aid office is the best resource for evaluating the specific options available.Private loans are not capped, like federal loans (the limit is set by the school and may not exceed financial need; students are expected to contribute a portion of their expenses through work or family contributions).




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was written in 2008 and is an original work of fiction and is intended for adult readers only.