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Learn the pros and cons so you don't make things worse and give up valuable benefits in your loan package.

information on consolidating private student loans-84

By refinancing federal student loans into a private loan, this can cause the loss of eligibility for deferment, forbearance, forgiveness, and cancellation options, as well as eligibility for affordable repayment plans based on income, which may be available under the federal loans.

Some private lenders will include federal student loans in a private refinance.

Other private lenders refinance only private student loans.

Repayment generally starts within 60 days of the disbursement of your loan, and the repayment term can range from 10 to 30 years, depending on the repayment plan you select, your additional educational loan debt, and the amount of your consolidation loan.

In order to consolidate your federal loans, you must be either in your grace period or repayment period.

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