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Resources & Tools

Consolidating Student Loans

Many college grads with student debt have multiple loans that can be frustrating to deal with. Student loan consolidation takes all your loans and creates one new loan. Your original loans are actually paid off and a new loan is created with new terms.

Borrowers needing a lower monthly payment or facing several loans from multiple loan servicers may consider consolidation to simplify repayment.

There are a few advantages and disadvantages to consider before consolidating your student loans.

Here are the pros of consolidation:

  • A new fixed interest rate
  • Lower monthly payments
  • And only one monthly payment

Now here are the cons of consolidation:

  • Loss of certain benefits tied to Federal student loans
  • You will most likely pay more interest
  • And you will have a longer repayment period

Most Federal student loans, which are backed by the government, can be consolidated into a Direct Consolidation loan. Private student loans come directly from a private lending institution and can also be consolidated. However, Federal and private loans cannot be combined into one loan together.

If you are struggling with student loan debt repayment options, ACCC can help sort out the confusion.

Visit ConsumerCredit.com to learn more student loan repayment options.

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