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  Category: Articles » Finance » Loans » Article

Government Student Loan Consolidation

By Mark Lambie

Are you behind on your bills? Do you have more than one student
loan? If you answered ¡°yes¡± to either question there are some
terrific opportunities for you to lump your debt together with a
government student loan consolidation. Please read on for more

When you graduated from school, more than likely your first job
was low paying and your expenses were high. It is not that
uncommon for students to rack up bills of 30, 40, or 50 thousand
dollars or more in debt, just to the school. Car payments, credit
cards bills, and everyday expenses can push your debt levels up
through the stratosphere. Time to think of getting some help. Time
to consider government student loan consolidation.

What is government student loan consolidation exactly? It is a
loan which allows for you to take multiple student loans, pay them
off, and make monthly payments to just one lender. Why can this
be a good option for you? Well, if you have four loans to four
different lenders due at four different times of the month, it can
seem as if you are always paying someone back for your
schooling. Also, try keeping track of all this with your hectic
schedule. Between work, family, friends, and all of life's
responsibilities wouldn't it just be easier to have one simple
payment to make? Yes, it would.

Another good thing about a government student loan
consolidation is that you may be able to lower your interest rate,
extend your repayment time, and take out little extra money to
pay back other creditors. Maybe you have a credit card payment
running you 19% interest. If you got a loan at a rate for half that
rate, you would save money, right? Yes, you would.

Where do you go to for a government student loan consolidation?
Search the internet! Leading companies are advertising their
services to consumers and they are anxious for your business.
Shop around and find the consolidation loan that is best for you.
Some things to keep in mind:

1. Loan Amount. Will the company pay off all of your student
loans, or a portion of what you owe? They may want to see pay
stubs and other proofs of income first.

2. Loan Rate. Will loan rate be fixed or will it be variable? You
may want to lock in a long term fixed rate to assure that your
monthly payments remain stable.

3. Loan Term. Can you deal with paying back a your government
student loan consolidation for as long as twenty years? Are there
any prepayment penalties? What if you were to default on your
loan? What then?

All in all, you have options to pay off your student loans that
generations never had before. A government student loan
consolidation may be right for you.

About the Author
Mark Lambie is the founder of The Loan House a website that allows consumers to quickly and easily get free mortgage quotes and mortgage information.

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