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If you submitted your application online, your consolidation servicer’s contact information was provided at the end of the online process.

Written by Jason Spencer Student Loan Table of Contents Student Loans in the United States: A Guide to Understanding Student Loan Borrowing 0 Introduction: 10 Chapter 1: The Demand for Student Loans Rises – The U. Student Loan Problem 11 Drastic Changes in Three Decades 11 What Caused This to Happen?

If you select this option, you won’t have to begin making payments on your new Direct Consolidation Loan until closer to the end of the grace period on your current loans.

Top Borrowers have different needs, so there are several repayment plans—including income-driven repayment plans, which base your monthly payment amount on your income and family size.

From there, you can either complete and submit the feedback form or select “Additional Information” and contact the Student Loan Support Center at the phone number provided.

To ask questions after you have submitted your , contact the servicer for your new Direct Consolidation Loan. mail, your consolidation servicer’s contact information was available when you downloaded or printed the paper application.

63 The Impact of Bankruptcy with Private Student Loans 64 What About Discharging Student Loans with Bankruptcy?64 The Chance of an Undue Hardship Discharge 66 What about Unpaid Tuition Bills?66 You Have Hope 66 Chapter 7: Which Federal Student Loans are Best? 68 Choose the Best Federal Student Loans 70 Federal Stafford Loan: The Second Best Choice 71 Federal PLUS Loans for Parents: The Third Choice 71 Private Student Loans: The Last Choice 72 What are You Going to Choose?Loan consolidation can also give you access to additional loan repayment plans and There is no application fee to consolidate your federal education loans into a Direct Consolidation Loan. Department of Education (ED) or ED’s consolidation loan servicers. Top A Direct Consolidation Loan has a fixed interest rate for the life of the loan.You may be contacted by private companies that offer to help you apply for a Direct Consolidation Loan, for a fee. There’s no need to pay anyone for assistance in getting a Direct Consolidation Loan. The fixed rate is the weighted average of the interest rates on the loans being consolidated, rounded up to the nearest one-eighth of one percent.73 Lower Your Cost of Going to School 73 Chapter 8: What about State Loans for School? 100 Determining Dependency Status 101 Which Parent’s Info Should You Use on the FAFSA 103 Other Things to Consider with the FAFSA Form 104 Special Circumstances 105 Filling Out the Form Without Parental Support 105 Not Always Difficult 106 What Does Expected Family Contribution Mean?

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