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Best Free Online student loan consolidation Guide & Information on student loan consolidation, consolidation loan, unsecured loan, refinace auto loan


Student Loan Consolidation

Why Consolidate Your Student Loans?

It’s January of your senior year and time to start thinking about all those loans you took to help pay for college. Between Stafford Loans, Perkins Loans and all the rest, between subsidized and unsubsidized you begin to realize that a year from now you will have run out of grace period and have to start paying back all those loans. You’re going to be paying back eight different loans at eight different interest rates and eight terms. It’s time to start thinking about a student consolidation loan.

A student consolidation could be worth it just to simplify your repayment schedules. But more importantly, if you can get a with a lower interest rate than you are paying on your school loans, then you can save yourself some money. If the consolidation extends the length of your student payback term, then it may have the added benefit of lowering the monthly payment now (when you aren’t making a large salary). You can always increase your payments as your salary grows.

How to Consolidate Your Student Loans

After deciding to consolidate your student loans, the next step is to figure out how to go about it. You may have several choices of lenders, and what you choose could affect the amount you ultimately pay. Choose carefully.

The Department of Education provides the Federal Direct Consolidation Loans Program. Numerous states have student consolidation loans, some for your federal loans and others for your state loans. Then there are private lenders offering consolidation loans as well. You might first check with your current providers to see what they have to offer. They may have a better deal for current customers.

Federal Direct Consolidation Loans

Federal Direct Consolidation Loans are run by the US Department of Education and provide a means to combine multiple Federal loans into one.

State Student Consolidation Loans

Several states offer consolidation loans as part of their education programs. Check with your state to see if they have a consolidation program.

Private Student Consolidation Loans

Private loans can not be consolidated under the Federal Direct Plan. If you can’t qualify for the federal and state student consolidation programs because you have private loans, there are many lenders who make private consolidation loans available to students. Check with your own lenders first to see if they have a consolidation program.

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There are two types of bad credit loans that are being offered in the market today namely the secured loan and the unsecured loan. For people with poor credit history, the secured loan is the easiest to get. To get a secured loan, you will need to present a piece of property as collateral. For instance, if you want to get a loan to finance you business, you may use your home as collateral.


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If your goal is simply to make life easier, you may have no problem accepting the first consolidation offer that you get. If on the other hand your financial future rests on whether you can obtain a consolidation loan quickly and with an acceptable interest rate, you will want to choose carefully.


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