Right out of school, you might not make the salary you had envisioned. You could probably make due except six months after you graduate, you owe your first payment on your student loans. Sallie Mae wants its money. Many graduates struggle to re-pay their student loans. You may submit deferment after deferment requests, but the best option remains finding a way to repay.<\/p>\n
You do have options. Deferment can help for a short time. Consolidation and refinancing also provide options.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n
Learning How to Consolidate Student Loans<\/h2>\n
Before we jump into consolidation, let\u2019s talk about what happens when you apply for a deferment.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_raw_html]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[\/vc_raw_html][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=”.vc_custom_1670182166183{margin-bottom: 0px !important;}”]Sometimes, Sallie Mae arbitrarily mails a blank form to you<\/strong>. You need to file it as quickly as possible. Shoot for at least two weeks before your payment due date. Even if you have a deferment pending, you must make your student loan payment.<\/p>\n You must stay on top of your paperwork. You could file for a deferment and think everything has been taken care of, but the deferment could get denied or the agency could determine the form was completed incorrectly. This could put you into default. You can quickly get out of default status by negotiating with Sallie Mae<\/strong>. Go past the customer service representative by asking for a manager or write them a letter that explains the situation. As for a small, good faith payment you can pay to get the loan out of default status. Next, request a hardship payment plan<\/strong>. This lets the agency know that you do want to pay your debt and you take it seriously.<\/p>\n But, let\u2019s look at ways you can avoid needing a string of deferments and how to can completely avoid defaulting.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=”.vc_custom_1670182595192{margin-bottom: 0px !important;}”]<\/p>\n Perhaps you\u2019re already familiar with the concept of consolidation<\/a> of credit cards or loans. If not, essentially, rather than making many smaller payments on a bunch of loans, all of them get bundled together<\/strong> with a uniform interest rate allowing you to make one payment per month. The organization to which you make the payment then distributes it among the various loans.<\/p>\n This can make it simpler to protect your credit and make the payment on time each month<\/strong>. It can also make it cost less each month although the re-payment time period may lengthen.<\/p>\n When you consolidate student loans, you can bundle all of the loan types<\/strong>. Your federal, state, and private loans can all go into the consolidation loan.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_video link=”https:\/\/www.youtube.com\/watch?v=BQCkwRXpTsQ”][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=”.vc_custom_1670182797433{margin-bottom: 0px !important;}”]<\/p>\n When learning how to consolidate student loans, your first major decision is how to consolidate. Two main ways exist. You can consolidate with an organization like the Department of Education (DOE)<\/strong> or you can take out a larger loan that lets you pay off all of the student loans<\/strong> and only owe one payment per month.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=”.vc_custom_1622890209661{margin-bottom: 0px !important;}”]<\/p>\n You can use the Department of Education (DOE) to consolidate or a private bank if you need to include private loans. This type of loan consolidation works similarly to consolidating credit cards through a non-profit. You would pay the DOE a single payment each month which it would distribute amongst the loans.<\/strong><\/p>\n A private bank would consolidate your loans by purchasing them. Each month, you would make a single payment to the bank to cover the total debt.<\/p>\n Under both of these scenarios, you obtain one interest rate and one monthly payment. This can result in a lower interest rate for you which can save you money. Depending on the term of the loan, you might create much smaller loan payments for yourself. If you obtain a mortgage-like term of 30 to 40 years, you could end up with tiny payments that result in you having more money in your budget for other things like savings and investment. That helps you because investments can grow at a higher rate than the interest you incur on the consolidated student loan. That means you could save up a lump sum to make a balloon payment and get out from under the student loan debt completely.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=”.vc_custom_1622890273964{margin-bottom: 0px !important;}”]<\/p>\n You can obtain a consolidation loan<\/a> for any type of loan or debt. It does not apply only to student loans. Using this method, you can pay off both the private loans and the federal and state loans through the government<\/strong>. You do need to qualify for a potentially sizable loan though. This might not present that large of a problem if you already landed a career-level job within the field in which you earned a degree.<\/p>\n Depending on your credit score, you could land a decently low-interest rate. One step in how to consolidate student loans is learning your credit score and potentially raising it before attempting to obtain a consolidation loan. If you just graduated and obtained career-level employment, you should have decent credit so long as you did not jump on the credit card bandwagon during your undergraduate. You need a minimum of 640 to earn a decent interest rate<\/strong> that can compete with the rates your federal loans probably offered.<\/p>\n Once you know you have a strong credit score, you need to study your student loan debt portfolio. You must know exactly what you owe under which program and to what lender as well as your monthly payment to each. Your portfolio might include any or all of the following loan types:[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column css=”.vc_custom_1622888583099{margin-top: 10px !important;}”][vc_raw_html]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[\/vc_raw_html][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=”.vc_custom_1670183461649{margin-bottom: 0px !important;}”]<\/p>\n You can look up all of your federal loans in the National Student Loan Data System <\/strong>online. You can access all of your federal financial aid records there. \u00a0To determine your total student loan debt before moving forward, you need to use this type of\u00a0student loan planner.<\/p>\n You will need to look up your paperwork on each private loan by checking your own paperwork or checking with each lender. Chances are that since they want their money, they probably mail you regularly about your payments. This makes it easy to add them to the list and have their contact information at the ready.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=”.vc_custom_1622888127648{margin-bottom: 0px !important;}”]<\/p>\n Do you already have employment that would allow you to re-pay a large loan? If you consolidate through the DOE, can you make their schedule of payments? Here is where the research comes into play. You need to contact each potential consolidation option<\/strong> and ask a few questions.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column css=”.vc_custom_1622888146693{margin-top: 10px 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css=”.vc_custom_1622729508078{margin-bottom: 0px !important;}”]<\/p>\nConsolidating Your Student Loans to Better Manage Finances<\/h3>\n
Two Types of Consolidation<\/h2>\n
Consolidation Programs<\/h3>\n
Consolidation Loans<\/h3>\n
Get Access to All of Your Federal Financial Aid Records<\/h3>\n
How to Consolidate Student Loans: Honestly Assess Your Situation<\/h3>\n
Final Thoughts<\/h3>\n
![\"Loanry\"](\"https:\/\/www.loanry.com\/blog\/wp-content\/uploads\/2022\/02\/loanry-big-banner.jpg\")
<\/a>","protected":false},"excerpt":{"rendered":"