Consolidating college loans tips


10-Dec-2014 22:11

Benefits: Consolidating some types of loans, like those from the Federal Family Education Loan Program, makes them eligible for certain benefits.These can include income-driven repayment, which ties your loan payments to your earnings and forgives your federal loan balance after 20 or 25 years, and Public Service Loan Forgiveness.Read on to learn how to apply for federal student loan consolidation or student loan refinancing and how to decide whether one is right for you.[Skip to refinancing] Only federal student loans are eligible for this type of consolidation.

The government combines your loans into one direct consolidation loan and assigns you a 10- to 30-year repayment term based on your total balance.

You can apply for a direct consolidation loan online at



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