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Saturday, September 24, 2011

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Advantages of Consolidating Student Loans

Introduction

Worried about the variable interest rates of your student loans? Now debt management professionals have come up with some unique tricks to help you handle your student debt problems.

Student Debt Problems

Even fixed interest rate student loans like Federal Plus and Stafford Loans are subject to annual interest rate adjustments. Hence, depending on the updated interest rates, your monthly payment may still vary from year to year. Having debt when you are already on a shoe-string budget means that these variable interest rates might add to your student debt problems even more. But there is a debt management solution that can help you do away with higher interest student debt problems. You can convert your variable interest rate student loans into one fixed-rate student loan, courtesy of student loan consolidation.

Eligibility of Student Consolidation Loans

* Those who have opted for federal student loans are eligible for debt consolidation.
* If you have taken any other private loans along with the federal loan, then you are not eligible for consolidation.
* Parents who have taken Federal Plus Loans to support their children's education can also apply for this consolidation.
* Debt management experts also suggest that student debt should be in repayment mode for you to be eligible for a student consolidation loan. In other words, there should be an additional grace period or forbearance period.

Advantages of Student Loan Consolidation Programs

It's easier and faster.

It is very easy to opt for student debt consolidation. You just need to contact your debt management counselor, and the rest of the process is handled by them. No credit check and no co-signers are required to apply for this process. Also there are no prepayment penalties.

It's a hassle-free way to get rid of debt problems.

Juggling multiple bills and multiple monthly payments to multiple creditors is not easy. We often tend to make mistakes by delaying or missing one monthly debt payment or the other. But debt consolidation bundles various student loans into a single fixed interest pay off format.



Reduce your monthly payment up to 40%.

The student debt repayment period is generally ten years, but debt management experts recommend debt consolidation for an extended repayment term. You can extend it for a period of 20 years or even up to 30 years. The longer the repayment term, the lower the monthly payment will be. You can lower your student debt payment by up to 40% through this option.

Article Source: http://EzineArticles.com/5608078


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