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It is usually best kept in your back pocket until absolutely needed.
This is why it is not a good idea to just consolidate immediately after school, as you will lose the ability to do so later should you have a hardship.
Precision Pricing unlocks terms that are unavailable at other lenders, saving you far beyond a standard refi.
Reasons for refinancing Parent PLUS loans range the gamut.
It will even stave off an administrative wage garnishment should you consolidate after notice of garnishment but before the garnishment is started.
In other words, your consolidation is a “get out of jail free” card that you can use once, and only once.
Nor can you consolidate the two together into a federal consolidation loan.
If your current loans are eligible for the various repayment plans you are considering, then you might want to hold off on consolidating until absolutely needed.
There is no need to pay a company hundreds of dollars to assist you in consolidating your loan.
Earnest uses data science and custom software to better understand your full financial profile and reduce our overhead costs.
These programs allow you to make payments based upon your income, and forgive remaining principle after 20 or 25 years.
(To learn more about these programs, see Federal Student Loan Repayment Plans.) Here are some ways that consolidation can affect your ability to choose a repayment plan that’s best for you: Whether you can benefit from student loan consolidation largely depends on what repayment program you may qualify for, and what kinds of loans you have.