consolidate student loan

Student Loan Consolidation is a procedure in a result of which several loans are combined in single one and the borrower pays monthly payments to one lender. Consolidation can be applied for the most part of federal loans like PLUS loans, Stafford loans, Perkins loans etc. there are also certain private loans which can be consolidated.

The principle of loan consolidation is the following: the amount of monthly payments is less because the term of repayment is extended more then 10 year. 10 years is the standard term for federal loans. The term of repayment can be prolonged from 12 years till 30 years. Some borrowers consider such procedure rather helpful. But even if the monthly payments are less, the total amount which must be paid is increased.

The interest rate of consolidated loan is the average rate of interest rates of all loans which were consolidated. The interest rates also depend upon the time of consolidation. If this procedure were done before the beginning of repayment, then the borrower can get lower interest rate and save near 0.6%. If the consolidation were done during the repayment, then there is no possibility to get lower interest rate.

So, in general loan consolidation makes the process of repayment simpler, but it doesn’t reduce the amount of repayment. In order to get it, there are several alternative ways like income contingent payment, gradual payment, and extended payment.  These methods cause the increase of interest rates, but this increase is les then one of consolidation.

Among the main advantages of student loan consolidation are combination of several loans into single one, reduction of monthly payments and possibility to make one payment to one lender.

Because of difference between federal loans and private loans, it is recommended to consolidate them separately. It would be better to begin with federal loans, then consolidate private loans.

Here is the approximate scheme of steps which should be done for successful consolidation:
1.    Check out the state of your loan. In order to make consolidation, the loan can’t be in the state of default. If there are some problems with your loans, it is necessary to do al necessary things and put your loans in order.
2.    Prepare necessary information, which includes contact information of 2 of your friends or relatives and contact information of companies which are your creditor. As for companies, you can find this information with help of ScholarPoint.
3.    The procedure of loan can be carried out through the Internet with ScholarPoint. When you get the application, it is not necessary to sign it immediately. Only if you are content with interest rates and payment condition, you may put your electronic signature and send the application for loan consolidation. But if you don’t want to sign such document online, then you can print this application, sign it by your hand and send it through post.

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