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Consolidating direct loans interest rate
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If you’re feeling overwhelmed by your student loans, you can take comfort in the fact that you’re not alone: Over 44 million Americans have student loan debt today.
We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions.
The rates and terms listed on our website are estimates and are subject to change at any time.
Often, Direct Consolidation is required in order to enroll in federal programs such as income-based repayment.
While the terms are sometimes used interchangeably, consolidating your loans is different than refinancing them.If you consolidate loans other than Direct Loans, you can become eligible for income-driven repayment plans.Under these plans, the government extends your repayment term and caps your payments at a percentage of your income.It will have a fixed interest rate based on a weighted average of the loans you consolidate.By taking out a Direct Consolidation Loan, you can minimize the stress of your debt while retaining your federal loan benefits.Switching to a fixed-rate loan may give you a slightly higher interest rate, but it will remain the same for the duration of your loan.If your goal is to save money on your student loans, refinancing may be a better option for you than consolidation.Sometimes it might even cause you to miss payments.In cases like this, consolidating your student loans could help you manage your loans more efficiently. Here’s what to keep in mind before you dive into student loan consolidation.Although consolidating won’t save you money, it can make repaying your loans easier.Here are three situations when consolidating your student loans might make sense for you: 1. If you’re struggling to make your payments under a 10-year, Standard Repayment Plan, consolidation can help reduce your monthly payments.