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Read Low Cost Consolidation & Student Loan Options - Auto Recovery
There are a multitude of school loan programs available for the
consolidation of student loans.
Choosing the option
best suited for you and your
financial situation isn't as
complicated as all the hype may lead you to believe. With a
little effort and a point in the right direction you'll be
choosing a low cost program for the consolidation of your
student loans in no time.
The first place to start is becoming familiar with the type of
loans you currently have. Who the lender is, what the rates are for
each loan, and what the grace periods are.
Then you need to
determine if they are Private Student Loans or Federal Student
Loans. And, you need to know which ones are eligible for
consolidation and which ones aren't.
Once you've determined which school loans qualify, the next step
is deciding what type of consolidation student loan programs
will be best for you. Even if your current student loans have
varying terms and re-payment schedules with more than one lending
company, the chances of being eligible for the consolidation of
student loans is very high.
This is due in part to the fact that
even with poor credit, the worst that does is cause one to pay a
bit more for the interest rate, but usually doesn't effect ones
qualifying for consolidation of student loans.
This will take a bit of research on your part as the
options can be quite diverse.
Below is just a brief list of some of the types of student loans
programs currently available for consolidation. Doing your
homework in this department will help you choose the lowest
cost consolidation & student loan solution for your
needs.
Some you will already be familiar with from your current
school loans
Government
backed student loan programs
available for consolidation:
Federal Student Loans
Direct Stafford & Ford Loans (subsidized and
unsubsidized)
FFEL Stafford Loans (subsidized and unsubsidized)
Direct and Federal PLUS Loans
Guaranteed Student Loans (GSL)
Federal Insured Student Loans (FISL)
Federal Perkins Loans
Federal Supplemental Loans For Students (SLS)
Loans For Disadvantaged Students (LDS)
Nursing Student Loans
There are several others, but these are the most common to help
you get acquainted with the terms. By far, in my humble opinion of
course, Government backed Federal loan programs offer the highest
level of benefits for the lowest cost. The only time this isn't the
case is when your present loans are close to being paid off. In
that case, consolidating student loans now would only increase the
time of repayment as well as the amount you'd end up paying for the
loans in the end.
So be sure you understand the loans you have and
if need be, call your lenders and ask them questions until you do
understand. It's the only way to make good decisions before you
sign on the dotted line.
Another set of terms you will no doubt want to understand if you
don't already, are the option terms:
Subsidized and Unsubsidized
Federal loan programs offer these options and you need to be aware
of what they can do for you if you qualify.
Unsubsidized loans however, are offered to everyone and no
special requirements are necessary.
Subsidized loans on the other hand were created by the
Government for those who need extra financial aid or assistance but
you must qualify to be granted this type of loan. This is
undoubtedly the lowest cost alternative and one to look into
further. Ask the lender you chose to explain the benefits if you
need more information.
Always ask questions if you don't understand, once you sign the
new consolidation student loan, there is no backing out.
When it's
done, it's done so you need to be sure you comprehend everything
you are being asked to sign and what exactly the new terms are
before proceeding.
About The Author:
Dorene Patterson is the author is many articles on
Consolidation & Student Loans that
can help save you time and money. To Read my other articles
related to consolidation & student loans visit:
.com/Consolidation-Student_Loan_Truths_Revealed.
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