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My student loan was consolidated in 1998-1999. They are stafford loans, used to pay for my law school education. My interest rate is at 8.25%, and apart from decreasing the interest rate by .25% with online payment, Sallie Mae/Bank One has offered me no other options, since my loans are already consolidated. Any options, other than to take out a new private loan for consolidation?

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i have a defaulted student loan and i want to go back to school. is loan consolidation a good idea and will it enable me to go back to school and also get financial aid?

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Hello everyone! I just graduated and have about $100,000.00 in total student loans including Govt. subsidized / unsubsidized Stafford Loans and Private loans. About $50,000 is in Stafford loans with an interest rate of 6.8% and $50,000 in “Signature Private Loans” at about 10%. They are all with Sallie Mae. I’m in the 6 month “grace period” now. I’ll be going to graduate school starting this spring (in seven months)

Any advice on if/how/with who I should consolidate my loans with and how do my interest rates look. Any ways to get them lower? I have great credit, a co-signer with great credit and a full time job. Any help on figuring out the best way to pay this stuff back/make my payments lower, would be great.

Any other advice is also welcome /and/or personal stories from those who have gone through this process. Thanks!

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i need some info about “debt-consolidation loans”. im trying to get a loan and i’ve heard that these are have low and fixed rate of intrest. but i don’t know if they are staffurd loan or not.[federal pays the intrest while im at school?]
btw if anybody know a good student loan let me know, so i can apply…

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I had about $160k in debt from college and medical school. I did a federal loan consolidation when I started my 4 year residency and chose the 4 year interest only repayment plan. Now I would like to further specialize in my field of medicine by going into fellowship training. Is there a way to continue to defer the payment of principle or do some other kind of minimum payment until I finish fellowship in another 3 years?

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My daughter is starting nursing school in January, ‘07. Her grace period for loan consolidation ends in Nov. 06. She plans to start repayment in Nov/Dec as required, but wants to suspend when she begins her nursing course in January. Thus, the question, can repayments be suspended? If so, when she begins payments again, at what rate will she be paying—when she left off or at the new rate when she restarts?

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Hello,

I recently graduated from college, about a little over half a year ago, I am yet to consolidate any of my loans because i’m scarred to lock in my loans at some outrageous interest, my loans are as follows,around: 29,000 in federal 78,000 in private student loans, which would make my payments unconsolidated around 1500 a month, and i cant make that sort of payment nor I think anyone that has recently graduate can, I want to know if there is any place that i can consolidate both of these loans where I can actually make a payment. I do want to pay but I just cant make 1000 dollar payments every month. I’ve had no help with paying for my school nor from the government nor from my parents. what am I suppose to do? I did a forbearance on my loans but it ends at the end of this month and I still haven’t been able to find a lender that will consolidate my private loans at something affordable. Nor can I find any information on the internet.
wow nothing bust spammers posting….thanks

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my husband and I before we were married — each consolidated our student loans once on our own.

Is there anyway we could consolidate together? How does this work? Thank you?

and also if you go back to school can you consolidate again?

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I want top consolidate some federal and private student loans from graduate school. Any lenders out there that are doing this? Thanks

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I have been out of school long enough that now I need to start paying my student loans. However I plan on going back to school this summer. When I go back will my loans return to a deferred status? Also I was thinking of consolidating the loans I have now. To lower my payments while I am out of school. But I am not sure how that will affect me once I go back to school. If it doesn’t have any effect who is the best loan consolidator? Anyone have some info or point me somewhere, where I can get real answers without a hassle. Thanks!!!

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