Yes you can. Start by calling the lenders you have your loans with and ask questions. ALL the interest rates will be the same. Its a weighted average. You need to look at your borrower benefits. Everyone will offer you the .25% at repayment for auto debit. Look for the best reduction with the least amount of on time payments. Stick with the big boys in the game and DO NOT go with someone that will consolidate federal with private loans. The federal consolidation plan in NOT a good one. Also try to pay it off in ten years, no more than that. Good luck.

When it comes to student loan consolidation programs, there is only one consolidation program. The Federal Student Loan Consolidation Program offers a fixed interest rate on your loans with multiple payment options to help meet your budget.

When you are choosing between student loan consolidation companies, the differences come down to customer service. All offer effectively the same borrower benefits including:

.25% - auto debit option, standard with all loans.
1% - rate discount for ontime payments (standard with all loans)
1-2% - cash back, (instead of a rate discount that will cost you more in the long run)

The customer service is key in insuring your loans are structured for the discount or cash back that can benefit you most as well as answering all your questions now and in the future. Look for a company who will assign you a loan advisor vs. a mass call center as they typically will take more time with you to work through your situation.

Be aware that the FFELP Consolidation Program is strictly for your Federal Loans. Some companies will want you to consolidate your private and federal loans together vs. separately. This is a big concern to the Department of Education as students have been losing their Federal Benefits.

For more about the Federal Cosolidation Program, check out the source below, or message us at studentaidlending.

Good luck, I hope this helps!

Yes you can absolutely do that. The process is called student loan consolidation, and it combines all your loans into one monthly payment plan. You can read about loan consolidation here:

Here’s an article that lists the best student loan consolidation companies:

Good luck!

Student loans are guaranteed by the U. S. Department of Education. That means that payment to the lender is guaranteed by a government agency and a student’s parents are not liable. They will need to send a death certificate to the lender so the government can pay the loan off.

Most government grants are in blighted areas where they want to spur rehabilitation of neighborhood properties. As far as I know there are no federal grants avalable unless you are revitalizing a property which will end up on the national register of historic properties, but these would have little to no profit potential due to the high cost of rehab to get the property to standards. The local programs generally only give 5-20k for help in rehabbing homes, but unfortunately come with so many strings attached that you will be begging them to take their money back just so you can get them out of your hair. Once you invite them in, you many times lose the grandfather clauses on any number of code requirements that have been put in place since the particular home was built and you have to spend as much if not more than the grant money to get the place up to the government standards that they require in exchange for the grant.

In my honest opinion, better to just get your own loan and go it alone….

The grants are for home owners, not for to fund your business. You are talking about tax payer money.

All banks have loans specifically for investment property.

his estate stands for the bill.
no one who has not signed for student loan owes anything.

Maybe you can try below website to get the information you need. It’s about student loan consolidation articles for your second opinion.
-%20Save%20Money,%20Pay%20Less,%20Spend%20More.htm

I don’t want to give you the notion of paying off Peter just to pay Paul, however in this case if you have no expendable income, I would hold off on a utility payment to pay these off. The interest rates are killers; you almost would be better off struggling thru the temporary cash crisis then taking them out. Utility payments can be stretched outh with negotiation, and that may be the best option. Lowering your debt to income ratio,and begining a contingency fund for emergencies, with maybe $25 per pay period from each of you or $100 per month or more, will help out in the future. Look at INGDIRECT.COM they take your savings directly from your checking account and pay you 4-5% or more on it. The downside is it takes two days to get it if you need it right away, but it may keep you disciplined.

Shopping in bulk, lowering unused cable and phone bills, and carpooling will add to your savings quickly.

Hope this helps,

Thanks.