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Then see what the monthly payment would be with a consolidated loan.

Try adjusting the terms, loan types or rate until a consolidation plan fits your needs - and most importantly your budget!

Debt is costly and can prevent us from reaching financial goals (or at least prevent us from reaching them when we’d like to).

Some people consider credit card debt bad and mortgage or student loan debt good.

The truth is that having any debt means you are financially beholden to a creditor and you can’t put your money in your own pocket until your obligation is met.

You’ve got several options when you make the decision to eliminate debt.

At that point, the delinquency stops affecting your credit. Your credit suffers tremendously in the meantime, and since you’re still legally obligated to pay the debt, a debt collector can pursue you until the statute of limitations runs out in the state where you live.

The problem is that bankruptcy is a serious derogatory mark on your credit.Top will let you know when the first payment is due.If any of the loans you want to consolidate are still in the grace period, you have the option of indicating on your Direct Consolidation Loan application that you want the servicer that is processing your application to delay the consolidation of your loans until closer to the grace period end date.From there, you can either complete and submit the feedback form or select “Additional Information” and contact the Student Loan Support Center at the phone number provided.To ask questions after you have submitted your , contact the servicer for your new Direct Consolidation Loan. mail, your consolidation servicer’s contact information was available when you downloaded or printed the paper application.

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