| Government student loan consolidation is a great idea, | | | | and you can afford the payments government student |
| as interest rates are at record lows, no matter if you | | | | loan consolidation is probably not a good option. It is |
| are an undergrad, or have already graduated. | | | | always better to be out of debt completely than to |
| Government student loan consolidation programs can | | | | prolong it with lower monthly payments. Refinancing |
| be a wonderful tool to lower payments on your | | | | any loan than will soon be paid off is never a good |
| student loans. You may have to go to a longer term | | | | idea, remember the ultimate goal is to be out of debt |
| than you currently have, but the interest rates right | | | | completely. |
| now are great. Everyone who has student loans | | | | Government student loan consolidation should be used |
| should at least look into this option before rates go up. | | | | as a tool to get a better start in life. After graduation |
| Some of the benefits of consolidation include: | | | | the majority of students today face overwhelming |
| Protecting your credit rating, You can save money | | | | debt that has accumulated during their college years. |
| over the life of the loan. There are also programs for | | | | When you add to that the debt of buying a home and |
| those of us who may have had a stumble or two. For | | | | starting a family, the pressure can quickly mount as |
| those who have several student loans, government | | | | you are trying to start a new career. I encourage |
| student loan consolidation will combine them into one | | | | everyone no matter what their circumstances to |
| lower monthly payment. For many people this makes | | | | always take advantage of each opportunity to |
| managing your monthly bills easier. | | | | strengthen your financial standing.next....T. |
| If you are reasonably close to paying off your loans | | | | |