| When considering the idea of consolidating a student | | | | Where do I consolidate a student loan? |
| loan there are a few things that need to be | | | | Many online and traditional lenders offer student loan |
| considered. they are when, where, and how. Most | | | | consolidation services. Currently, you can get several |
| federal student loans can be consolidated. Private | | | | great offers online. Interest rates on these loans may |
| loans that were used for school can also be | | | | fluctuate and when you decide to consolidate you |
| consolidated to allow you to have one, lower overall | | | | need to be sure to lock in the lowest rates possible. |
| payment instead of several. | | | | How do I apply for consolidation? |
| When can I consolidate my loans? | | | | To consolidate your loans you will need to make a list |
| Student loans can be consolidated from a period | | | | of them and total it. Then you can shop around online |
| starting on a date 6 months prior to your graduation | | | | to find the best offers available. The actual application |
| date. You can, of course consolidate any time after | | | | process is pretty straightforward. One thing you need |
| you have graduated and are paying the loans back. If | | | | to remember, you can only consolidate once. This |
| you do decide to consolidate your student loans while | | | | means that you need to carefully consider you |
| in school, you should apply for deferred payment. This | | | | decision and make the right choice. This is where the |
| allows you to start your repayment after graduation. | | | | internet can be a useful resource. |