Consolidating private student loans with federal student loans

Consolidating your student loans basically means combining multiple loans together into just one loan, resulting in a single, more manageable monthly payment that may be lower than what you’re currently paying.. Each of these options offers its own unique benefits and is appropriate for different graduates depending on the type of loans being consolidated, as well as your current financial situation and credit score.

Consolidating your federal loans through the Department of Education is free; steer clear of companies that charge fees to consolidate them for you.You’ll save money if your new loan has a lower interest rate.» MORE: Best student loan refinance companies Your financial history — including your credit score, income, job history and educational background — will dictate your new interest rate when you refinance.» MORE: Find Your Federal Student Loan Consolidation Interest Rate Additionally, you’ll get a new loan term ranging from 10 to 30 years.Your repayment term will generally start within 60 days of when your consolidation loan is first disbursed and will be based on your total federal student loan balance, among other factors.

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