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You will lose your rights under the federal loan programs once you choose to consolidate with a private lender.
Direct consolidation loans are now the only type of federal student consolidation loan.
You consolidate loans by rolling all your little loans into one bigger one.
To come out ahead, you need to find a consolidation loan with a low interest rate and a reasonable term.
American Education Services (AES) services Chase private student loans.
That's where debt consolidation and other financial options come in.Under the Direct Loan Consolidation Program, you can consolidate Subsidized and Unsubsidized Stafford Loans, Supplemental Loans for Students (SLSs), Federally Insured Student Loans (FISLs), PLUS Loans, Direct Loans, Perkins Loans, Health Education Assistance Loans (HEALs), and just about any other type of federal student loan.Loans that are not eligible for consolidation include state or private loans that are not federally guaranteed.This simplifies your bill-paying process each month plus reduces the total amount you owe to your creditors.No matter what type of debt consolidation loan option you’re looking into, it is important to understand how to consolidate debt.
Consolidating federal student loans may be a good strategy to lower monthly payments or to get out of default, but it is not always a good idea.