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What Is Student Loan Consolidation Program

What is​ Student Loan Consolidation Program?
You are getting a​ few student loans to​ support your study .​
After the​ graduation,​ you​ need to​ start repaying these student loans .​
These student loans come with different interest rates and they have different repayment due date for each month .​
You may find it​ difficult to​ manage your multiple student loans and any late payment or​ miss payment may hurt your credit rating .​
Student Loan Consolidation Program is​ a​ loan repayment program for college students and graduates with multiple student loans to​ make their repayment easier .​
However,​ before signing on​ the​ dotted line,​ it's important for students to​ understand some basic facts about consolidation .​
What a​ Student Loan Consolidation Program Does?
The student loan consolidation program allows you​ to​ combine all your outstanding student loans .​
For example,​ if​ you​ have three separate government student loans,​ you​ can consolidate them into one single loan .​
Technically,​ all three of​ those loans will be considered paid in​ full and a​ new loan will be started in​ their place .​
The basic concept is​ you​ are getting a​ new loan to​ pay off all your outstanding student loans; which mean instead of​ having 3 student loans with 3 repayment amount and due date,​ after the​ loan consolidation,​ you​ only have one loan with one repayment amount and one due date .​
It will enable you​ to​ manage your loan easier .​
How a​ Student Loan Consolidation Program Will Help?
By consolidating your outstanding student loans through student loan consolidation program,​ you​ basically can enjoy at​ least 3 benefits:
1 .​
More Convenient

With multiple student loans,​ you​ will have to​ make multiple payments every month; that means there are more paperwork and due dates to​ keep track of .​
There are more chances that you​ may miss one of​ them and cause you​ to​ make late payment .​
You can get rid of​ this hassle by consolidate them into single repayment and make you​ easier to​ keep track only one payment with one due date and one repayment amount .​
2 .​
Save you​ Some Money

All loans come with interest,​ so do the​ student loans .​
Although student loans normally have lower interest rate,​ student loan consolidation program may be able to​ negotiate a​ lower interest for your new consolidation loan than all your current loan rates and save you​ some money on​ interest .​
For example,​ you​ have 3 outstanding loans may be required to​ make $150 payments each month to​ all three lenders .​
That is​ a​ total of​ $450 per month .​
After consolidation with only one payment is​ required and that payment is​ usually much less than the​ combined payments from all of​ the​ loans .​
This can be huge benefit to​ you​ especially if​ you​ are new graduate who are just getting started in​ your careers and who don't have the​ income necessary to​ cover large loan expenses right away .​
3 .​
More Repayment Possibilities

Consolidating your student loans may open up additional opportunities for you​ .​
You may be offered with deferment choices and/more repayment possibilities .​
These offers can come in​ handy if​ you​ wish to​ further your education to​ another level,​ struggling to​ find employment in​ your field or​ experiencing financial hardships .​
In Summary
Managing your multiple student loans are not too hard but you​ can make them more convenient and easier by combine them into one through the​ student loan consolidation program and enjoy the​ benefits it​ can offers .​
However,​ before enrolling into any of​ the​ student loan consolidation program,​ you​ need to​ understand the​ details and ensure the​ package is​ really inline with you​ financial needs.

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