Private College Student Loan

Need to consolidate student loans. Please help!?

I have 4 difft student loans. I need to consolidate into one payment. I need to still have the option to defer later when return for grad school. The ting is, I want a really good interest rate and I have difft types of loans. I have private loans and other loans. I have salie mae, federal direct, iowa student loan liquidity, and ECSI. Really need help on who to consolidate with and which loans I can consolidate. Please help

Public Comments

1. Don't consolidate now, wait until after you finish grad school because you can only consolidate once. That and the fact that you will never truly be able to consolidate all of them anyway because you can't consolidate federal loans and private loans together. You will always have more than one payment and your interest rates will still be higher than what you are paying now. Not to mention when you consolidate you lengthen the time you pay on the loan... meaning you'll pay much much more in the long run in interest. Consolidation is not something that really benefits you, it just gives banks the opportunity to take more of your money.
2. Here are some great tips on how to consolidate student loans.One good thing about government loans is that the interest rates are fixed when consolidating them, and so rest assured that the rates that the lending company will charge you are within the boundaries of the law. Albeit there is already a ceiling on the interest rates when consolidating government loans, it is always to your advantage if you will shop around for those with really low interest rates. http://www.worldbestloans.com/student-loans.htm Grace period of loan repayment means you are done with college and earn a degree but the part of repayment, you just have not started. The grace period is usually from the graduation day to 6 months after and is usually regarded as an excellent time to which you acquire college student loan consolidation.
3. Most private student loans can't be consolidated,so when you do decide to consolidate make sure they are very clear as to what loans are being consolidated.I talk to people everyday who mistakenly thought their private loans were consolidated with their federal loans and they end up in collections
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5. Don't combine your public and private loans, and wait until after grad school! You only get one chance to do this!! Here's an article with more info on how to consolidate student loans (linked). Hope it helps!