Consolidate Refinance Student Loans

No student loans? Consolidate them! That’s what we’re here at MyCreditCounselor.com to do. We can help you restructure your student loan debt using the federal income based repayment plan and consolidate your federal student loans into one low monthly payment. You can use our free consolidation calculator if you’d like to determine whether consolidating makes sense.

We have helped thousands of people across the United States and have seen many success stories. So don’t wait any longer than necessary. If you want a better financial future and don’t want to pay costly private student loan debts, let us know how we can help today!

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Consolidate Refinance Student Loans

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In this video I’ll be showing you guys how to consolidate student loans.

Doing so would allow you to get rid of those expensive service fees?

Let’s find out together!

Here are some things that you need to know before getting started:

Suze Orman says “The best way to pay off your student loan debt is to make more money than it takes to pay off your student loans”.

Consolidate Refinance Student Loans

Paying off student loans

If you have private student loans, they may be consolidated under federal loan programs, which provide more flexibility than government-backed Stafford loans. Private lenders offer different repayment terms, depending on how much money you borrow and what type of program you choose. Your lender should provide information about those options and help you decide whether consolidating makes sense for your situation. If you consolidate, make sure you understand both your consolidation option and the new payment schedule before signing anything. You might need to pay higher interest rates if you don’t qualify for a lower rate. Interest rates change frequently, so visit www.finaid.org/studentloans/consolidation for the latest rates on current federal consolidation plans. 2. Repaying private loans

Private student loans can be expensive, but they’re generally easier to repay than federal loans. You’ll pay back principal and interest each month over 10 years, then start making monthly payments again after you graduate or drop below certain income levels. Many students find that paying off their debt sooner frees up cash for college expenses.

Federal loans

Federal student loans can be cheaper than private ones. But they’re structured differently, so it’s important to know what you’re doing when you go looking for them. To qualify for federal financial aid, you need to show proof of financial hardship. And unlike private loans, you have to apply for every semester. That means you could run out of funds toward the end of school.

Consolidate Refinance Student Loans

I make over $100k per year in student loan debt consolidation. I have consolidated my private student loans (and their interest) into one low monthly payment! And best of all I am able to buy a home now! Consolidating student loans is a great way to consolidate your debt and manage your payments effectively. I was able to do this using LendingTree’s service and they had no problems with my credit score… unlike some of the other services out there. If you are thinking about doing this, I recommend checking them out first!

Consolidate Refinance Student Loans

Consolidate Your Debt

There’s nothing worse than being buried under mountains of student loans. If you’re currently paying way too much interest on your debts, you should consider consolidating them. You may find that consolidating your debt can save you thousands of dollars each year.

Reduce Interest Rates

The best time to get out of debt is now. That means if you have student loan debt, you want to pay off your loans as fast as possible. One of the best ways to do that is to refinance your current student loans. By refinancing your student loan debt, you could lower your monthly payment significantly.

Get Rid of Private Lenders

If you’ve got private lenders making personal loans to you, you’re going to want to get rid of them as soon as you can. If you don’t make regular payments to these private lenders, they can eventually take legal action against you. However, if you consolidate your student loans, you won’t need to worry about making those payments anymore. Instead, you’ll just need to make one lump sum payment to the lender at the end of the term.

Lower Your Payments

If you’re looking for a way to reduce your monthly loan payments, consider refinancing your student loans. When you consolidate your student loans and use a consolidation loan to pay down your existing loans, you’ll not only reduce your monthly payments but you’ll also cut your total amount owed.

Pay Off All Your Debts

If you have any outstanding credit card bills, car loan payments, or even medical bills, you should definitely put them on hold before you begin to pay back your student loans. While you’re paying off your existing loans, you can use the money you would’ve invested in those debts towards your other obligations.

Avoid Bankruptcy

One thing you shouldn’t ever do when dealing with student loan debt is file for bankruptcy. If you do, you’ll lose your assets and your future earnings potential. If you decide to go bankrupt due to your student loan debt, expect your credit score to plummet, your job opportunities to dry up, and your wages to decrease.

Stay Organized

When it comes to dealing with student loans, you need to stay organized. Make sure you keep all your paperwork together in one place and read everything thoroughly before signing anything. Don’t forget to check the fine print. If something seems wrong, ask questions until you understand what exactly you’re agreeing to.

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