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Us department of education consolidating student loans
The goal with this process is not only to get the ease of a single payment, but to receive a lower interest rate based on your financial history.Consider refinancing if you have: Refinancing federal loans into a private loan means losing consumer protections specific to federal loans.What is the most important is to become educated about your loans, what programs exist to help you, and then to take action on what you determine to be the best for your particular situation?
People who are working in the public sector or taking advantage of federal debt relief programs such as income-based repayment or public service forgiveness may not want to refinance, as these programs do not transfer to private refinance loans.
Consolidating student loans via refinancing is best for people whose financial position - in terms of employment, cash flow, and credit - has improved since they graduated from school.
Consolidation gives you the opportunity to choose one of the U. Department of Education's consolidation servicers (of which, Great Lakes is one) to complete and service your Direct Consolidation loan.
You don't have to pay for student loan services or advice.
A student loan consolidation takes the borrowers loans and combines all the loans into one new loan with one lender, and one weighted average interest rate.
This removes the burden from the borrower of trying to keep track of many different loans, with different lenders, balances, and interest rates.
Consider federal consolidation if you: Your new fixed interest rate will be the weighted average of your previous rates, rounded up to the nearest one-eighth of 1%.
You’ll get a new loan term between 10 and 30 years, depending on your balance. A longer term also will result in paying more in interest.
Although the program existed since then, it was not until President Obama’s budget in 2010 switched all new student loan lending over to the Direct Loan program.
This is part of the reason why many people refer to it as the Obama Student Loan Forgiveness program.