Consolidating federal graduate student loans the hornets sting and the hell it's caused online dating

And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward –- and free. " There are two types of student loan consolidation: federal and private. We believe everyone should be able to make financial decisions with confidence. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. We're on your side, even if it means we don't make a cent.

Federal loan servicers are private companies that manage federal loans for the Department of Education.

But with 0,000 in debt, you probably have some private loans in your portfolio, too.

And I am going to be straight with you: Private college loans are not ideal at any time, especially now, when many lenders have left the student loan business or curtailed their lending in the wake of the financial crisis. With a private loan consolidation, your FICO credit score will determine both whether you get a loan and what the initial rate will be.

To find the best plan for you, check out Federal Student Aid’s repayment estimators before you begin the consolidation application.

The tool shows you how much you’d pay per month on the various plans.

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