Consolidating federal student loans interest rates Srilankan adult sex dating

16-Dec-2015 03:11

There’s also the possibility that you could secure a lower or fixed rate on your student loan debt.

Consolidating my student loans about a decade ago was one of the best financial decisions I ever made, but a lot of things have changed since then.

It’s no wonder then that student loan debt is on the rise, too.

In 2013, 59% of graduates from four-year public colleges had borrowed money to help get them through school, up from 52% in 2001.

According to The College Board, the cost of one year at a private, four-year college has jumped 146% in the past three decades to ,231, while the cost of a four-year public school has skyrocketed 225% to ,139.

Those figures are adjusted for inflation — they would be even gaudier if not — and they include only tuition and fees, not living expenses.

Student loan consolidation may not be the silver-bullet solution that it used to be, but it can still offer some benefits depending on your situation.

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That means you have just one loan to pay off and keep track of instead of several, and that can help reduce the chance of a late or missed payment.

In this guide, we’ll take a look at the current pros and cons of consolidation, including what is probably the most important question: Will it truly save you any money?

If you’re pressed for time, here’s a quick summary of the major points I drive home in this guide: The price tag of a college education is more daunting than ever.

It’s important to remember that these numbers are averages — some students manage to earn their degrees with far less debt. But wherever you are on the spectrum, being an informed borrower can help you stay organized, figure out the best way to pay back your debt, and maintain a reasonable lifestyle while you’re doing it.

Their average debt load was ,600, up 24% in a decade, according to The College Board.Throw private school grads into the mix, and the average American owes ,000 in student loans, according to Equifax.

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