Deadline consolidating student loans speed dating in hampshire uk


25-Oct-2016 06:28

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A popular one, which will reduce your interest rate 1 percentage point after 36 months of on-time payment, sounds good, but the fact is that most students can't make 12 months of on-time payments, let alone 36.

Focus instead on discounts that are immediate: cash rebates, shorter on-time payment period for rate discounts or an additional 0.25 percent discount for signing up for automatic payments.

The lender then rounds that figure up to the nearest one-eighth of a percent, according to the Department of Education.

The Department of Education ensures the new interest rate is no higher than 8.25 percent.

In addition, individuals who meet certain criteria like teaching in high shortage areas can qualify for loan forgiveness.

There is also the possibility that special interest rate discounts or rebates on the principal will be lost in a consolidation.

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Don't extend your terms: Much of the marketing blitz, including Sallie Mae's, has quoted monthly payment savings based on a 20-year term versus the 10-year term you're probably paying, since that's the mandated default on federal student loans.

At a time when the economy is still in recovery and finding a good paying job is easier said than done, the results of this debt can be devastating.



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