You are now a college graduate and you know that 6 months from now you will have to start paying back those loans you took out each semester to cover tuition, fees, books, and living expenses. This can be a very large chunk of money and it can be very stressful. However, you can use student loan consolidation to make life a little easier on yourself.
The negatives of using a consolidation loan for students is that you might lose some of your benefits if you are not careful. Right now you can use the deferment option to put off paying them until you find a job or until you can afford to do so. You can also use the forbearance option if you become unemployed and unable to pay. These both protect your credit and you don't want to lose them.
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The positives are very numerous when it comes to student loan consolidation. You can keep your benefits if you shop around to find the right lender and you can get a similar interest rate as what you have not. Plus when you consolidate your loans you will have only one payment to one lender instead of multiple payments to multiple lenders.
This can make your life easier and make it much simpler to set up a budget that you can work with. It is always better to only have to manage one payment instead of multiple payments. This should be a low enough payment that you can afford it and if you can afford more it is always good to pay more money than less.
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