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      "body": "Congratulations @moneyservice! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@moneyservice/birthday1.png</td><td>Happy Birthday! - You are on the Steem blockchain for 1 year!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@moneyservice) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=moneyservice)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "permlink": "your-guide-on-student-loan-consolidation",
      "title": "Your Guide on Student Loan Consolidation",
      "body": "![student loans.jpg](https://cdn.steemitimages.com/DQmYmoWm5ujhju8irau4Zi9mbLG62Q9vZjEvpq8k7c7brqm/student%20loans.jpg)\n\nStudent loan debt is a huge problem in modern America. At the end of 2018, <a href=\"https://www.forbes.com/sites/zackfriedman/2018/06/13/student-loan-debt-statistics-2018/#210055bf7310\">it reached $1.5 trillion</a>. Usually, a borrower needs 21 years to repay a student loan debt. After entering repayment, 28% of all the students are in default.\n\nThese statistics paint a clear picture: a lot of people have student loan debt and want to find some relief. Student loan consolidation is an ideal tool for people who want to simplify or save on their monthly payments. But if you don't approach this route carefully, it can have serious consequences. You can even get <a href=\"https://www.collegeloanfreedom.com/single-post/2017/12/15/The-6-Basic-Scams-of-the-Student-Loan-Con-Artist-How-to-Beat-Them\">caught on scams</a>.\n\nThis is the reason why we created this guide – to provide borrowers with a successful resource that will help them decide whether student loan consolidation is a right choice for them and which type will suit the needs in the best way.\n\nThere are two loan consolidation types: private and federal. They considerably differ from each other. Federal consolidation loans can be used exceptionally for federal student loans,  but the private ones can be used for both private and federal loans. We will outline the basics of private and federal consolidation loans.\n\n Private Student Loan Consolidation Companies\n\nStudent loan consolidation companies provide you with a loan that repays the old ones. After the lender evaluates the credit history of a borrower, he determines the interest rate. Yet, some private student loan consolidation lenders also pay attention to the current professional and financial situation of the borrower. The new student loan consolidation rates can be higher or lower than the rates of old loans put together and can be variable (market conditions can change the rate) or fixed (the interest rate will never change). Remember, when you <a href=\"https://personalmoneyservice.com/short-term-loans/\">use this opportunity</a>, these are not usual short term loans online. This is  a way more complicated matter.\n\nSome lending companies want their borrowers to have the <a href=\"https://www.consumerfinance.gov/ask-cfpb/what-is-a-debt-to-income-ratio-why-is-the-43-debt-to-income-ratio-important-en-1791/\">debt-to-income ratio</a> below a definite threshold. Some lenders also factor in the employment stability and the prospects of the borrower. Many lenders only give loans to people who have a certain type of degree.\n\nWe have chosen four best student loan consolidation companies for each category of borrowers.\n\nCitizens Bank is perfect for non-graduates\n\nPros\n\nCitizensBank provides the lowest variable rates (2.39%). It also reduces the interest on 0.25% for new customers with a qualifying CitizensBank account.\n\nCons\n\nIn comparison with other lenders, the lowest fixed interest rate is quite high (4.74%).\n\nEarnest is ideal for flexible eligibility\n\nPros\n\nEarnest is perfect for non-traditional graduates who are looking for flexible eligibility requirements and what lenders evaluate them on a wider range of merits. Earnest doesn't require a definite minimum credit score. The average credit score of its borrowers is 700-750+.\n\nCons\n\nThe Kentucky, Delaware, Alabama, Mississippi, Rhode Island and Nevada are not eligible.\n\n\nLendKey is the top lender for graduates\n\nPros\n\nLendKey proposes the lowest fixed student loan consolidation interest rates (the lowest one is only 3.5%). A 1% reduction of the interest rate is available after having paid 10% of the principal.\n\nCons\n\nOnly graduates can apply. A FICO score required is really high (680).\n\n\nSoFi is perfect for typical graduates\n\nPros\n\nSoFi requires the lowest credit score. You can also use the unemployment protection. In case you lose the job, you can get a forbearance in three-month chunks.\n\nCons\n\nTo apply, you have to be graduated and employed to have an employment offer beginning within 90 days. Another disadvantage is that residents of Nevada are not accepted.\n\nIf you need more information about these and other lenders, you can read student loan consolidation reviews.\n\nHow to Consolidate Federal Student Loans\n\nThe process of federal student loan debt consolidation consists of 7 steps:\n\nStep 1: Move to Studentloans.go and log in\n\nTo do this, you have to enter your FSA IDs. If you have only FSA PIN, you must create FSA ID. Login page provides you with this option.\n\nStep 2: Start the Application\n\nClick the button \"Apply for Loan Consolidation\". You can do it online or in another way (the instructions are on the same page). Student Loan Consolidation and Payment Reduction Program requires FSA ID as well.\n\nStep 3: Choose Which Federal Student Loans to Consolidate\n\nIf you lowered some of your student debts thanks to forgiveness or cancellation, do not consolidate them. It is also a bad idea to consolidate higher and lower interest loans together.\n\n \nStep 4: Decide on the Processing Delay\n\nIf one of your loans is in grace period now, you can have your servicer delay the loan consolidation processing for 1-9 months to make full use of the grace period.\n\n\nStep 5: Choose a Loan Servicer\n\nPrivate companies are contracted by the Federal Government Private to service federal student loans. Such companies are known as “loan servicers.” One of four servicers selected by the borrower manages Direct Consolidation Loans. The choices are Great Lakes Educational Loan Servicing, Inc., Nelnet and <a href=\"https://myfedloan.org/\">FedLoan Servicing</a>, Navient. In case one of them currently manages your current loans, you can retain the same servicer or select another one.\n\n\nStep 6: Select a Repayment Plan\n\nThere are two basic categories of repayment plans: income-based and time-based. If you choose a term-based plan, your payment will depend on the length of repayment term.\n\nUnder income-based plans, monthly payments are based on a percentage of your income. If you select this plan, you'll have to provide financial information.\n\n\nStep 7: Give Personal Information and Submit Your Application\n\nHere you will have to fill out basic personal information. Additionally, you should provide two references who have known you for the minimum of 3 years. Check the form for accuracy and submit it.\n\n\nWhat’s Next\n\nNote that while the application is being proceeded,  you have to repay old loans as usual. Once it is proceeded, the selected loan service will contact you with instructions concerning payments.\n\n\nTake Action\n\nThis guide provides a good starting point for current or former students who want to choose the best student loan consolidation. However, you have to make your own research as well. To check which option will be the most profitable for you, you can use student loan consolidation calculator.",
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