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Student loan, Education loan

 

3 Benefits of Student loan, Education loan Consolidation

Source: http://financeequityloans.com

Category: Student loan, Education loans

Sometimes people think that loan consolidation is too much of a hard work, so they leave all their loans as is and try to cope with all payments. In reality, consolidating your outstanding Student loan, Education loans is not at all hard. All it takes is a bit of careful research, to find the lender that will help you save the most. And the benefits of consolidating your college debt are significant. Consolidating can save you several hundred dollars. Find out how to get the most benefits of your Student loan, Education loan consolidation.

Benefit 1: Less hassle

How many bills do you have to pay every month? How many of them are from different lenders for your Student loan, Education loans? If you are like most people you probably hate keeping track of all bills and payments that tend to arrive at a different time during the month. Consolidation will solve this problem - you will have to make one payment every month, that's it. No more forgotten Student loan, Education loan bills and trying to remember what you paid or haven't paid yet.

Benefit 2: Your will pay less

Even though your consolidated rate is calculated as an average of your existing loan rates, the resulting rate is usually slightly less. So your monthly payment will be lower.

Often students and young graduates try to compare several lenders in hope of finding the lowest consolidation rate. There is no reason to do so. According to the law all lenders have to offer you the same interest rate as Federal Family Education Loan Program. However, most lenders offer additional benefits and that's where you savings will really come from.

Majority of lenders reward you with reduction of interest for setting a direct bank withdrawal. Paying on time is also very important - usually you can get a reduction up to 1 percent on your interest rate for paying before the due date for 24 or 36 month. So, for example, if your current average interest is 7.5 percent, after all discounts it will be 6.25 percent. Considering that you will repay your loan for several years this will account to a substantial savings.

Benefit 3: Better credit history

When you pay several loans it is inevitable that from time to time you miss some of the payments. This can lead to damaging your credit history. And as you know, if you have bad credit, it will be difficult to get new credit cards and a mortgage when you decide to get your own home. On the other hand, consolidating all your loans and paying one bill on time every month will help you built a strong credit history.

So, there is really no reason not to consolidate. The only thing you will have to keep in mind is that you will have to choose the lender for your consolidated loan very carefully. As a general rule consolidating college loans is only allowed once. There are only two exceptions - if you decide to continue your study and take another loan and if not all your student debt was included in the first consolidation.

So usually you can't "reconsolidate" if you see a better offer later. For this reason you will have to look at the fine print so there are no surprises later. For example some lenders offer attractive benefits, but they have additional fees or their fees for late payment are enormous. You will have to find all this out before you commit to a particular lender.

 

5 Benefits of Student loan, Education loan consolidation

Are you sick of paying interest on your monthly Student loan, Education loans with no end in sight? Afraid of cash-flow problems that may prevent you from paying your Student loan, Education loans on time? I know I was and there is a solution to this problem. It is called Student loan, Education loan consolidation.

Student loan, Education loans, Student loan, Education loan consolidation, federal Student loan, Education loans, consolidate Student loan, Education loan, college Student loan, Education loan

Are you sick of paying interest on your monthly Student loan, Education loans with no end in sight? Afraid of cash-flow problems that may prevent you from paying your Student loan, Education loans on time? I know I was and there is a solution to this problem. It is called Student loan, Education loan consolidation.

What is Student loan, Education loan Consolidation?

Student loan, Education loan consolidation simply means consolidating all your Student loan, Education loans into a single loan with a monthly payment plan. Effectively, all your previous Student loan, Education loans are written off and a new Student loan, Education loan is created which you have to pay off monthly.

Benefits of Student loan, Education loan Consolidation

Here are some of the benefits of Student loan, Education loan consolidation

1. Lower monthly payments

By consolidating all your Student loan, Education loans into one loan, you only need to pay off one loan monthly instead of several Student loan, Education loans monthly. Thus, your monthly payment is lower

2. Pay only one loan monthly instead of several Student loan, Education loans monthly

It is a lot easier if you have to manage only one Student loan, Education loan instead of several Student loan, Education loans with different payment deadlines. Also, sometimes with many Student loan, Education loans, you may ended up forgetting to pay one Student loan, Education loan.

3. Low, fixed interest rate

By consolidating your Student loan, Education loans, you will be able to take advantages of low, fixed interest rates. Currently, by law, Student loan, Education loan consolidation rates cannot exceed 8.25%. Furthermore, national interest rates are at a 40-year low therefore this is a good time to get one.

4. No credit card check or processing fees

No credit card check is required during the application of a Student loan, Education loan consolidation. The payment plans and terms are usually quite flexible in that they can customize it according to your financial standing.

5. Make monthly Student loan, Education loan payment electronically

While it is not necessary to make payment electronically, most lenders will knock 0.25% off your Student loan, Education loan rates if you make payment electronically. Also, using direct debit from your bank account will prevent you from forgetting to make a payment.

Sometimes it can get quite confusing as to the qualification of applying for a Student loan, Education loan consolidation. The official stand from the government is that students who are still in their grace period or who are still studying in school may qualify for government Student loan, Education loan consolidation

The government Student loan, Education loan consolidation nowadays are quite competitive compared to private sector, therefore I would recommend going for a government Student loan, Education loan consolidation. With so many benefits of getting a Student loan, Education loan consolidation, it is quite obvious to save money in the long run is to get one.

 

Benefits Of Student loan, Education loan Consolidation

Source: http://financeequityloans.com

Category: Student loan, Education loans

If you used any type of federally-funded Student loan, Education loans to finance your higher education, and are now out of school, by now you have received numerous telephone calls, mail pieces, and emails extolling the benefits of Student loan, Education loan consolidation. Let's go over what those benefits are:
• A lower monthly payment- One major benefit of Student loan, Education loan consolidation is that consolidation results in lowering the monthly payment that you must make in order to keep your loans current. This is especially appealing to recent college graduates, who are just getting started in their careers, and also to those former students who were forced to terminate their education before they could finish their degrees. In these days of tight budgets, a strained US economy, scarcer job prospects, lower wages, and higher consumer prices for everything from food to gasoline and energy, a lower payment means more money to spend on other essentials and maybe even a small indulgence or two once in a while. The downside of having a lower payment is that it is usually created by stretching out the term of the loan over more months or years, making the total amount repaid considerably more.
• Locking in a lower, fixed interest rate- This benefit has everything to do with whether your current loans have fixed or variable rates, and also the timing of your consolidation. Companies that aggressively pursue holders of Student loan, Education loans paint the picture of Student loan, Education loan consolidation protecting you against rising interest rates. If you are considering consolidation your loans, make sure that you do your homework regarding what interest rates are currently available, and whether your current loans have a fixed or a variable rate over the life of the loan.
• Only one monthly payment- For those with multiple loans from various sources, consolidating your many and sundry loans into one will be a great convenience to you in that you will now have only one monthly Student loan, Education loan payment to make. Not only is having only one payment to make each month a great time and money saver, especially if you are writing checks rather than paying by automatic debit, but it will protect you against "forgetting about" one of your loans, and having it go delinquent.
• If you have recently graduated or left school, you have what is called a six month "grace period". If you consolidate your Student loan, Education loans during the grace period, many times you can enjoy an even further reduction in interest. Some Student loan, Education loan consolidation lenders give you further reductions in your interest rate for using an automatic debit payment method, and for making a certain number of consecutive payments on time.
• Some lenders penalize you for paying off your loans early. Consolidation of your Student loan, Education loans affords the extra benefit of enabling you to pay these loans off with no pre-payment penalty. As always, check the fine print of the agreement (and have somebody else look at it if you are not money-savvy) before you sign!

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