Consolidate federal student loan

Q: What are the different student loans?

I had taken out two student loans back in the day. I went to the federal website to check on the loans. I only took out two loans. What is showing on here are the following: Direct Consolidate Unsubsidized Direct Consolidated Subsidized Staffor Subsidized Stafford Unsubsidized

Q: Can I consolidate student loans that are already in forbearance?

I have several federal and private grad school loans. Right now I am paying off the private loans and the federal loans are in forbearance. Can I consolidate the loans in forbearance? Would this be benificial? At the very least it will stem the tide of consolidators calling at all hours of the day and night... Thanks, Deborah

Q: Who buys FFELP consolidations?

Once you consolidate the federal student loans, who buys the consolidations to service

Q: Is it wise to "waive my grace period" for SallieMae?

By submitting this form, you are formally authorizing that Sallie Mae take the following actions* on your behalf: Place your eligible federal education loans that are owned by Sallie Mae into repayment status, contingent upon your receiving a Sallie Mae Consolidation Loan, and send you a repayment schedule. You understand that you are waiving the grace period that was available on your federal student loans that you intend to consolidate.

Q: Does anyone know how to consolidate student loans from private lenders and the federal government together?

I have a loan from a private bank and a federal stafford loan. can I combine these somehow to save money and make only one monthly payment?

Q: Is there any way to consolidate federal student loans with a private student loan before the july 1 deadline?

I have 3 student loans through the federal gov't (perkins, federal direct and a "GATE" - AES loan). I also have a small private student loan through citibank. I want to consolidate all 4 by the July 1 deadline but no one will combine private and federal. I get ads in the but they all seem like scams to me. Any financial experts have any ideas?

Q: Are you prepared to pay a higher APR % July 1st on your student loans?

Do you know the Federal Apr % rate will go up almost 2 points on all of your student loans? Do you want to lock in a fixed rate for the term of your loan? Do you have two or more student loans? Do you need free advice about defering your loans? Do you know your Federal Rights that protect you on these loans? Do you want a lower monthly payment plan? With all of your new Credit cards, if you miss one payment your interst rate will go up 10-20% plus it will wipe out your credit score with a higher debt than income ratio. But you can always consolidate those and end up paying about 3x more than what you would through a fedral loan. even with their rates you get Federal rights that will protect you. Plus if you do have a problem you can go into a deferment program for three years without making a payment.

Q: Should I consolidate my private student loans before the June 31st interest rate deadline?

I know that the Federal interest rates will be going up to 7.25%, but are the private rates expected to follow suit? Also, is it possible to consolidate federal loans together with private loans in a private loan consolidation loan?

Q: Consolidating Debt?

Is it possible to consolidate private student loans (NOT FEDERAL) along with credit card debt into one monthly payment? DO NOT ANSWER WITH I DO NOT KNOW...IF YOU DON'T KNOW THEN MOVE ON TO A QUESTION YOU DO KNOW THE ANSWER TO

Q: What questions do I need to ask to get the best rates and terms on a Federal Student Loan consolidation?

Interest rates (Sallie Mae) will most likely be going up on July 1. I have received many, many offers in the mail to consolidate my school loans (these are similar to credit card offers). I do want to lock in at a fixed lower rate before rates increase. Currently, rates vary from 2.75% to 4.75%. What do I need to know to not get screwed? Are some companies more reputable than others? How would I find out? Are there hidden fees to be worried about? I graduate this June.

Q: Should i consolidate my student loan?

Stafford Loan interest rates will rise by approximately 2% effective July 1, 2006. The opportunity to consolidate federal loans at 4.75% will end on June 30, 2006.

Q: I am being constantly harrassed by Student Loan Consolidation outfits. What is the ripoff or horror of this?

How can a person consolidate their loans clear down cheaper than the federal government originally offers it for? There must be a catch for these companies to make money, right? Are these set up like credit cards, where you have to pay on time everytime and if you miss a payment and try to make up for it by sending extra, they'll add on their fee and raise your interest to whatever they want to charge? Does it lock up everything you own as well?

Q: I need help consolidating PRIVATE student loans (NOT FEDERAL)?

I have tried to contact many different consolidation companies but they cannot help me with PRIVATE student loans. My payments are outrageous and I cannot pay them. I have placed them in forbearance many times but all that is doing is making my total owed amount go up since it still accrues interest. Remember these are PRIVATE student loans not federal and right now my interest rate is 14%!! PLEASE SOMEONE HELP ME!! mrs.izabel, Thank you but again these are PRIVATE student loans not federal. I have already consolidated my Federal student loans.

Q: What's the best way to consolidate federal and private student loans?

Q: Debt Optimization - Student Loan debt vs. Mortgage debt?

I recently graduated from grad school, and I have my share of student loans. I also am in the market to buy my first home. I have a decent sum of cash saved to put toward a down payment. However, I'm wondering what the smartest thing to do with my savings would be: 1) Pay down some of my variable interest rate private student loans or 2) Apply the savings to a downpayment. Essentially, it's just a trade off between having student loan debt or having mortgage debt. I'm going to buy a house regardless, but it's a question of whether I have less mortgage debt or less student loan debt. My instinct would be to apply the savings to the student loan debt since it's interest rate is NOT tax deductible like the mortgage debt would be (I make too much money to deduct student loan interest). The variable APR on my private student loans is hovering around 7% right now (Before you ask, I have already consolidated my federal loans). What would be the smartest thing to do in this case