Consolidating student loans hurt

There are many good reasons to consolidate through the Direct Loan Consolidation program, not the least of which it keeps you alive for one of the income-based plans such as REPAYE (repay as you earn), PAYE (pay as you earn), IBR (income-based repayment) and ICR (income-contingent repayment).

Here are more pros for the Direct Loan Consolidation program: If you have missed payments because you struggle keeping up with multiple loan servicers and multiple repayment dates, consolidation or refinancing is a valid choice.

Some lenders do make it possible to reduce the interest rate by making direct payments or by qualifying for a reduction by making on-time payments over an extended period of time.

Refinancing student loans is similar to the Direct Consolidation Loan program in that you bundle all your student loans into one loan and make a single monthly payment, but there are important differences that you should look at before making a decision.

We believe everyone should be able to make financial decisions with confidence. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research.

To do this, many or all of the products featured here are from our partners. Private consolidation is often referred to as refinancing.

However, it is important to know that if your payments are part of qualifying for any forgiveness program, the clock restarts when you consolidate your debts.

For example, if you made three years of qualifying payments for Public Service Loan Forgiveness, then consolidate your loans, you would lose the three years of qualifying payments and the clock would start over again.

Consolidation is a way to make repaying student loans more manageable, and possibly less expensive.That is a sizeable and unwelcome graduation gift so it’s important to know how to minimize the damage.If the money you borrowed was all federal loans, you can find easier repayment options by applying for a Direct Consolidation Loan.Keeping track of that kind of schedule is complicated and part of the reason so many have defaulted.It’s also why student loan consolidation is such an attractive solution.

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Making one payment every month instead of many payments makes life simpler.

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