Consolidating private student loans bank of america
Those seeking consolidation should also review their repayment options at Student gov, so they’re prepared to pick the proper repayment plan.
Once the application is submitted, the federal government estimates that it takes 60 to 90 days to officially complete the consolidation process.
Consolidating private loans works in a similar fashion, as far as paperwork goes.
The difference is you’ll need to apply through a private lender.
When it comes to consolidation, the types of loans you have matters, but most federal loans, including Stafford, Perkins, Direct Plus and Supplemental loans, can be consolidated with other federal student loans.
“The interest rate on (federal) consolidation loans is an average of the interest rates on the (federal) loans you’re consolidating,” says Ken O’Connor, director of student advocacy for Fynanz, a New York City firm providing technology for the private student loan market.
Remember, borrowing money is serious business so keep your business head while you are attending college.College is a great opportunity, but accepting loans, to put off its cost, commits you to take personal responsibility of your future finances, regardless of your success in school, or your success thereafter.Hence, make as many intelligent decisions you can while you are in school.The Federal Student Loans, unlike the private loans, would comfortably rest on a fixed interest rate, and the consolidation would not require a credit check of any kind.At this current moment in history, however, Chase no longer provides federal student loans.
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