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Student Loan Consolidation For Dimwits

Written by: Jonathan Cohen

Too lazy to investigate this properly? Then this one is for you.

Loan consolidation is the act of combining multiple loan plans into one. That is, instead of sending cheques to several lenders every single month, you will pay just to one entity. It's a no-brainer to see that this is less work than several. But as you were always told, there is no such thing as a ''free lunch''.

Other than simplifying this rather annoying process, the interest rate on your single consolidated loan may be even lower than the rates you are paying now. Simply put, you might even be saving yourself money. With some plans, it is even possible to adjust the amount of money paid back by your monthly pay; pay less when studying, pay more once you find a good job.

Get it straight, everybody wants a cut from your cheque. It is in everybody's interest to get your loans transferred to them or consolidated by their firm. Your current loan provider might offer the best deal of the lot, so do not neglect to investigate that option. If you have more than one Federal Loan, it is highly advisable to check out the Federal Direct Consolidation Loans, as they offer a long grace period (time before repayments begin), and repayment plans for up to 30 years. In some states, it is possible to apply for a State Student Consolidation Loan which are subsidized by the state. Since not all states provide such facility, you will have to check this on your own.

Links: The Internet is loaded with loan consolidation information and services. A simple search query can bring up a list of loan provider, each with its tools to help you get the best rates. Never settle for the first plan you see, regardless of how attractive it may look. Remember that when considering the amount of money being paid back, even a tenth of a percent can yield huge savings on your side.

* Visit http://loanconsolidation.ed.gov/borrower/borrower.shtml at Federal Student Aid for information and interest rate calculator for consolidated loans.

About the author:

Jonathan Cohen is a successful writer for online articles and ezines. More resources, information and tools are available at http://www.studentconsolidation.cc

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