Wipe Out Your Debt in 12-36 Months Simple and Easy - Get Started Today
CreditSolutions.com
Cut Debts to Save Much More. Cut Payments & Debts in Half!
FreedomFinancialNetwork.com
Reduce Interest Rates & Consolidate Payments. Get Help & Gain Control!
www.MoneyManagement.org
No Payments While You're in School. Pay for Tuition, Room, laptop, etc.
www.WellsFargo.com/StudentLoans
Consolidation for important loans You have the power to be debt free
DebtFree.LoanBiz.com
Reduce Student Debt by Up to 70%. Student Debt Free in 12-36 Months!
StudentDebt.HonestDebtRelief.com
You Can Clean Up Your Mistakes & Rebuild Your Credit. Find Out How!
www.ezchoicefinancial.com
40+ Colleges that accept Loans and other Financial Aid. Free info.
www.OnlineSchoolFinancialAid.com
Apply Online for Any of 8 Campuses Local to LA, San Diego, Palm Sprgs
www.Redlands.edu/SchoolOfBusiness
No Closing Cost Refi Options. No Points or Processing Fees. Call Now
www.Countrywide.com
Up to 100% Cost of Attendance. No fees! 2% Graduation Reward.
www.AFFLoan.org/
Consolidate federal student loans with Academic Loan Services. See how much the Academic Loan Services can save you when you choose to consolidate your student loans.
www.academicloanservices.com
Debt management company offering consolidation of credit card debt and unsecured loans.
www.american-debt-consolidation-loans.com
Consolidate federal student loans with DebtHelp.com and you will avoid high interest and loan default.
www.debthelp.com
In order to accommodate all of the loans that students and graduates incur, we offer both federal and private student loan consolidations. If EdFed can be of any service to you with providing you further information about our student loan consol...
www.edfed.com
We offer some of the best student loan consolidation benefits that include receiving an additional 1.25% off your interest rate, NO fees, NO credit checks and improving your credit score.
www.educareloans.com
Consolidate your MBA student loans and get low interest rates guaranteed. Get Private Student Loans for MBA or other Graduate Schools. Find out how easy we make it to Simplify and Save.
www.fundamental.com
If you fail to pay your student loans on time, you may end up in default. Read on to learn how to prevent this financial foible.
www.gocollege.com
The Consolidation loan program offers eligible borrowers the opportunity to consolidate education loans into a single new loan.
www.ibankfnb.com
Compare your consolidation options, including whether consolidating your federal student loans is right for you, here.
www.simpletuition.com
Up to 2.85% Rate Reduction, No Fees, and No payments for 6 years. Consolidate your loans with Student First Financial.
www.studentff.com(Paid)
To determine your monthly savings if you were to consolidate your student loans, try this federal student loan consolidation calculator.
www.studentloannetwork.com
Wipe Out Your Debt in 12-36 Months Simple and Easy - Get Started Today
CreditSolutions.com
Cut Debts to Save Much More. Cut Payments & Debts in Half!
FreedomFinancialNetwork.com
Reduce Interest Rates & Consolidate Payments. Get Help & Gain Control!
www.MoneyManagement.org
Guide to Student Loan Consolidation Services
Consolidate student loans to ease pressure on your budgetBefore you begin, there are a few basics that apply to all types of student loans:
1. You can only consolidate federal student loans using a federal consolidation service.
2. When trying to consolidate private student loans, you may have tons of options to choose from, but interest rates may be higher than when consolidating federal loans.
3. Some federal loans, such as Federal Perkins Loans, are better off not being consolidated because you lose the benefit of the government paying all interest on these loans while you're in school.
There are many benefits to consolidating your loans, including:
1. The ability to lock in a lower interest rate.
2. Simplification of repayment.
3. Lower monthly payments.
4. The ability to save money.
Action Steps
The best contacts and resources to help you get it done
Consolidate federal student loans first
Since these loans are at a fixed interest rate, consolidating them first and establishing a good credit rating by keeping up with the payment can get you a much lower interest rate when it comes time to consolidate private student loans.
I recommend:
Check consolidation options offered under federal loan programs such as Sallie Mae, Direct Loan programs and FFEL/PLUS loans. Note that Direct Loans and FFEL/PLUS loans cannot be combined and have to be consolidated separately, and federal law prohibits consolidation of federal student loans while you're still in school.
Compare interest rates for private student loan consolidation services
There are many private student loan consolidation programs available offering all sorts of plans to entice you. Be careful and investigate these plans carefully so you don't end up mortgaging your future to repay them.
I recommend:
Check with your local bank first to see what kind of interest rates they offer. These can vary from a set rate (which may end up being high in the future), a variable rate (which may go up or down, depending on other criteria) or a balloon rate, where you pay very little or no interest in the beginning, with an agreement to refinance pay off the balance within a set period (usually five years). To see examples of the various programs and how much they will cost check out Student Loan Consolidator, Wachovia, and FinAid.
Beware of school loan consolidation scams
There are many so-called financial aid companies out there that are offering deals that seem too good to be true.
I recommend:
For tips on what to look for--and avoid--check out Student Loan Tips and Advice and Student Loan Fraud.
Tips & Tactics
Helpful advice for making the most of this Guide- Make sure your monthly payments fit into your budget. The reason for consolidating these loans is to make it easier to pay them off.
- Your original student loan lender might offer you a better rate than other lenders.
- Beware of fees associated with the filing of your application. It's often a good idea to avoid these lenders.
