Consolidating car and student loans sallie mae rates

Student Loan Consolidation: Federal and Private — NerdWallet

Consolidating car and student loans rates 2016

read the other posts in the series here—and get all the info you need to make intelligent decisions about your student loans. no, refinancing does not impact your ability to get the student loan interest deduction.: just remember, you must continue making payments after submitting your application until you receive notice from your servicer that underlying loans have been paid off. i have 56k in parent plus loans and he has 25k in private loans. have already consolidated my parent plus loans into one federal unsub consolidation loan. you’re correct in your reasoning on the pros and cons. you’re no longer taking classes and have made 12 consecutive on-time student loan payments, you can apply with citizens bank (see above). i don’t make much money and if i had to pay both lenders i’d be broke. she can do so by contacting her student loan servicers and making this request once she is enrolled in grad school. if so, there are only two refinancing lenders who may work with you: earnest and lendkey. please note: due to federal regulations, citizens bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. i got pre-approved by citizen’s bank but it gave me such bad rates there was no sense refinancing. son, bishop braddock, has a private loan with sallie mae at an unbelievable rip-off rate of 10 percent, ,000 now ,000.  now that you know it’s an option and you understand how it works, you can better assess whether it’s right for you. we first applied through earnest, we included the entire amount of debt (165k) and our result was about what the federal government rates are now (6. this is despite the fact that i can go onto the national student loan service website and outline every loan i had during my nursing school tenure. let’s all refinance our loans away from navient, the loan sharks! savings disclaimer: ​**​member lifetime savings – average member lifetime savings calculation of ,359 is based on all sofi members who refinanced their student loans between 8/16/2012 and 6/30/2016. have landed an internship and have a full time offer in hand. now that i’ve refinanced my student loans with sofi, i see a light at the end of the tunnel. i had no clue the monthly payments would be so high and unless i want to add to the interest, neither private lender will work with me. my question is what has been the history of variable rates? you’re no longer taking classes and have made 12 consecutive on-time student loan payments, you can apply with citizens bank (see above). i would like to get the one loan off my mom’s account and also get one low payment. parents can refinance parent plus loans in their own name or their child’s name. i am looking to consolidate my loans from undergrad however i need to defer them while i get my phd (for which i will accrue no additional debt). with lendkey's help, i'll be saving nearly 0 per month on my student loans! have 1 federal and two private loans that are in collection all together they equal 50,000. terms of the “12 months of payments” comment, that was specifically in reference to borrowers who have dropped out and not earned a degree. i’m not sure if there’s any advantage in terms of the rates or terms you’d get if you refinance them all in his name. many borrowers with interest rates this low would not seek to refinance these loans as it might not be possible to find interest rates that are any lower. borrowers with a bachelor’s degree or below, fixed interest rates range from 4. may be slightly higher than weighted average of all loans. can read more about deferment and federal student loans here: https://studentaid. we have a cosigner loan, when will we qualify to lower our rates with you?  in addition to the advantages of loan consolidation (like having one, simplified monthly payment), refinancing student loans at a lower interest rate can mean big benefits, like lowering monthly payments or reducing the time it takes to pay off your debt, and cutting down on the total interest you pay over time. i am in a situation where i make enough to consistently and responsibly pay my heavy monthly loan payments at their high current interest rates (i’ve been doing so since my payments began in january 2014, after graduating with a bachelors in may 2013), yet not enough to qualify me for the ability to refinance and get a better rate with any bank i’ve spoken to.: product name, logo, brands, and other trademarks featured or referred to within student loan hero are the property of their respective trademark holders. article it was exceptionally helpful i simply began in this and i’m becoming more acquainted with it better! keep in mind they’re also typically not the lender if they hold federal loans (the dept., it may help more if your husband is willing to cosign the loan with you.%4 apr (with autopay)4 and will fluctuate over the term of your loan with changes in the libor rate3. got a better rate and term from common bond than sofi. a total and permanent disability (tpd) discharge might be an option for you. we always recommend checking out multiple lenders and seeing where you can find the best rates. everyone’s situation is different, and our customer service team would be happy to speak with you about your specific circumstances and to tell you more about sofi’s products and rates., i’m not sure there’s a solution for this if you’ve been denied other than to work on improving your debt-to-income ratio over time and reapplying once you do. after the the 3 student loan and 1 car payment is made, i am literally left with 0 a month (the k i saved will not get me very far). about those who incurred student loans from for profit colleges such as the art institutes? really want to refinance my loans and have 1 payment with 1 payoff date. you apply, most banks and lenders will look at your credit score, annual income, savings, and college degree type (or certificate of enrollment if still in school). consolidating your loans in this way does not save money, but is merely used for simplifying the repayment process (as well as a few other benefits). with all my loans, i am barely scrapping by and eating ramen noodles every day! also have information about our different loan products on our faqs page that you might be interested in to learn more about what we offer, and information about eligibility here. with citizens you may apply if you are not currently in school and you have made 12 consecutive on-time payments. recommend all of the banks here, and typically recommend borrowers apply with a few different banks to find the best rates. this way the debt is still in my name and we have a lower rate. it seems like sofi is exploding in growth and having a tough time keeping up with the customer experience. i refinance my student loans, will i still be able to deduct the interest on my tax return? loan consultants are available at 855-456-sofi to help walk you through the process and answer any questions that come up. and while you’re at it, check out sofi’s new student loan debt navigator tool to assess your student loan repayment options. with federal student loans these do not have to be paid from the estate. how do i qualify for loan forgiveness and change from private to direct subsidized or federal? i used to be checking continuously this blog and i am inspired! i refinance my student loans with an interest rate under 8%.

Consolidating car and student loan rates

, sofi, earnest, and citizens offer some form of death discharge. and consolidation of federal and private student loans with an education refinance loan® from citizens bank®1. daughter will soon finish dental school with substantial federal student loan debt, and will enter a residency program in a dental speciality field. but as you may be hinting at, the rates may be higher than 3. you’re certainly not alone as we hear from many others who are experiencing the same difficulties repaying their student loans.’s tough for us to give recommendations on specific situations as it really comes down to your personal preference and what you think is best. do you have any suggestions for myself and others in this position who attended graduate school overseas? they are a complete joke… i have the additional criteria you noted and they still offered a laughable apr. they require you to submit a ridiculous amount of application forms or id, as well as really odd requests (a 45 day payoff period on my loans… really? students who have a job while they’re attending school choose to pay interest on their loans rather than allow it to be added to principal. my federal loans are on forbearance and were previously on income based repayment and are in good standing. if he gets in a better financial situation and you’re willing to cosign, you may be able to refinance. just applied for 3 of the above lenders and they all denied me because my credit was too low. it looks like consolidation will work for you, it’s easy to apply:Online: complete your application at studentloans. we are buying a home and my wife’s score is a little low. my student loans with drb was one of the best financial decisions i have made. a school eligibility standpoint, all of the lenders listed on our website should be able to work with you. daughter has approximately ,000 in private and federal loans which she would like to refinance. make sure that your student loan lender uses the simple interest calculation method. but plenty of borrowers come to us with just private loans. nice tips provided, the reason i likely don’t see many requests for this is college graduates with student loans don’t usually own homes, so they’re not eligible for our lowest form of financing…. our current dti, even with nearly ,000/month in student loan payments, is currently within lender guidelines, but we want to be rid of the high interest rate federal grad school loans before taking on a mortgage.., nursing school loans) be extracted and submitted on my behalf should i apply for a nursing loan repayment program? was in a similar situation just 3 years ago but i am down to 45k and refinanced with citizens bank. is helping 100,000+ borrowers manage and eliminate over billion dollars in student loan debt.!I found the application process easy, the customer service when i called always friendly and helpful (minimal automated phone assistance! citizens was a much smoother transaction and i wrapped up my refi loan in 5 business days all electronic. federal student loans and private loans through the refinancing process won’t make sense for every borrower, but it provides great benefits for some. borrowers apply for a mortgage with just one lender and accept. best bet may be to try lenders like earnest and sofi that may be able to give you a decision in 2 minutes without a hard credit pull. if you’re approved, they’ll simply pay off your loans with navient and you’ll repay the new lender., you can apply to refinance only your private loans if you’d like. team at student loan hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. refinancing rates from our network of 300+ lenders in 2 minutes without impacting your credit score. also have information about our student loan refinancing products on our faqs page that you might be interested in. i previously submitted an application to sofi for the total combined amount of all 3 loans, but was denied- even with a co-signer. you consolidate, consider the following pros and cons:One servicer, one statement, one payment. i want to change these to direct subsidized loans to qualify for loan forgiveness. our understanding is that although this is a different type of loan than a student loan this would still apply for student loan refinancing. this allows us to review your credit profile and determine your actual rate.% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. sofi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount. i am wondering if other companies do the same thing or is it wise to get my loans to another company that will just take my income into consideration, even if my husband and i file jointly? i’ve taken a student loan worth 21k usd from a bank in india. any of these work on private loans that were taken out to complete an associates degree? any on the above said organization refinance a student loan worth 20k usd to a non us citizen pursuing masters in usa ? give us a call at (855) 456-sofi and we can walk you through how you would assume the parent plus loan. i have no one who can cosign a loan for me (my grandfather, who cosigned my original student loans with me, has since passed away and there is no one else in my life capable or willing to co-sign.“with sofi, i was able to significantly lower my rate, saving me thousands of dollars over the life of the loan. have 1 federal and 1 private loans that are in collection all together they equal 35,000. know that moment when you find out about something you didn't know existed, and you think how could i ever live without this? typically isn’t not possible to refinance these loans while you’re still attending school. plus loan made to the parent of a dependent student cannot be transferred to the student through consolidation. lenders are required to notify you in writing if you apply and are rejected. does she do with her present loans once she is enrolled full time in grad school?’ve heard great things about sofi, earnest, and lendkey, but i’ll have to check out the rest. some students will opt to take out student loans and pay interest charges each month. since that is the minimum number of payments you must make while employed in public service – it would only make sense that if your loans are down far enough that you literally can no longer make 120 payments while in ps. mae wants me to pay0+ a month and that is much more (about 4x more) than i can afford. was looking for the lowest rates i could find without a cosigner. i am now in good standing with them and my credit score is recovering but i’m having trouble finding a lender..Mail: a paper application can also be printed, completed, and mailed. we're on a mission to help 44 million americans manage their student loans smarter. loan department emailed me last night and i finished up all the docs.’ve taken an edu loan from india and i would like to know if banks/cu provide options to refinance the loan even though it’s in another country.

Consolidating car and student loans sallie mae

: just remember, you must continue making payments after submitting your application until you receive notice from your servicer that underlying loans have been paid off. i am trying to help her refinance her loans as she is currently paying 6 each month on interest alone! my son had to leave school for medical reason and did not graduate can we still get a refinancing loan to lower the payment? i just graduated a few months ago and will be starting a new job soon. i am racking up interest day by day and never paying them off…. was filling out a rate request form for earnest, went thru about 6 pages, then stopped when it asked for my acct number and password for my primary checking account. he has made almost 2 yrs of payments and is finishing his 2nd year as a financial manager with general electric. the two payment together are more than my federal loans. she returns to school, if she does not or cannot make payments on her present loans, she’ll likely want to request deferment. i have two private student loans (americu-25 y/term and sallie mae 12 y/term) and then 4 yrs worth of sub/unsub fed loans which i used to pay for the 4 years of private tuition (not a smart move).) and didn’t seem to take degree in consideration (b. of luck with your new job and paying off your loans. sadly no comments but that might just ruin it; he’s really a writer, despite his considerable media and investment analysis skill. am trying to help him consolidate his loans at a lower rate and heard about your program. to top it off, i withdrew my application after not receiving a decision for a month and a half. son has 3 government loans totaling 100k and 1 private loan totaling 75k. we’re talking about consolidation and refinancing with a private lender, here’s what you should consider:2. it’s the total of all the loans you wish to consolidate. i’m not making payments on the earnest loan and only still paying nelnet at the moment but they’re just not sending out the payoff check for me to start the loan. i consolidate my 1 private and several federal loans, would it be possible that specific loans (i. my wife and i are having a difficult time figuring out what the best approach for us is and would greatly appreciate any insight. you do not need to refinance all of your loans and instead can choose which ones you want to refinance. allows you to merge multiple eligible loans into a single loan. sadly, until we all get out and vote the do nothing republican senate and house members out of their 20 plus years 5,000 annual salaries that block any legislation to reform the student loan industry. i haven’t seen anything on their site about this and am curious if it’s something they just don’t do, or if there’s regulation in place preventing it, etc. i tried sofi a year ago and they were terrible to deal with. i would like to consolidate my undergrad and masters’ degree loans, but i may enroll in a phd program eventually. i called once or twice a week to check, but it was always “in process” and there was nothing i could do. recommend contacting our loan consultants at 855-456-sofi to see what options are available to you and if sofi is the right choice. after seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. can i get a loan that will pay the private and plus loans off so i can have one payment for them? i’m also a specialist in this topic so i can understand your hard work. my thought is with a variable rate, the fed will have to normalize rates for you to meet or exceed 5% which i believe will not happen in the next fifteen years, if ever. we’ve got you covered with our student loan smarts blog series. her income during her three year residency will be quite modest, but afterward it should be ample to handle her debt load. otherwise, the interest gets added to principal amount and you’re now paying interest on the new balance with the interest added on. if approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. aware that you lose significant benefits from the federal government by consolidating federal loans to private:* income based repayment. with student loan consolidation, you may be able to refinance at a lower interest rate, decrease your monthly payment, or both! am glad to hear that you shopped around and found a better deal. this might be worth testing by checking rates with each option through the lenders above.  with prevailing interest rates at historic lows, some private lenders offer rates that are significantly better than a high-rate federal loan. appears citizens bank refinances/consolidates loans if you did not graduate but are not in school. student loan borrowers have the option of consolidating their loans via the direct consolidation loan program offered by the u. in terms of forgiveness, refinancing and consolidating federal student loans with a private lender will, unfortunately, make these loans ineligible for any federal student loan forgiveness plan. i’ve been trying to refinance my sallie mae loans. the benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. it has been more than 180 days since your consolidation loan was completed, you will need to complete a new direct loan consolidation application to add other student loans. what is killing me is my private loan and the one that i am paying to my mom. budget analysis, and countless resources help you manage your debt. one option could be to make interest-only payments while you’re still in school to prevent additional principal from being added to your loans. you have more than seven loans to add to your consolidation loan, you will need to submit more than one request to add loans form. in this case, the federal loans would still be eligible for pslf.: 5 tips for repaying your student loans like a boss | the financial diet(). the total is 55,000 and i can’t afford to make payments on all of them- i am on an income based repayment plan from great lakes that didn’t cover my key loans. a borrower consolidates the loans, the old loans should show up as paid in full and closed loan accounts on a credit report. commonbond’s faq section:“we perform what’s known as a “soft credit pull” to estimate your rate, and this will not affect your credit score. protection – loan payments are paused and they help eligible graduates find new jobs and also hire them for short-term consulting projects. perhaps they do not have enough money to pay their entire tuition bill at once (a significant cost to man), so they take out loans to cover these costs. it looks like paying off the student loans entirely before applying for a mortgage will harm his credit. i also think navient is as a bad as a loan shark, and/or sub prime lender. have federal student loans and parents plus loans that my parent’s signed for to help me that i agreed to pay, can i consolidate federal student loans “and” parents plus loans in my parents’ names into one payment with sofi? on loan type and disbursement date, your federal student loan rate could range from about 3% to 8%. i just now tried to get a rate with earnst for half of total combined loan amounts, and was given a message that said they need an actual application before they can provide me with any rate information…. rates shown are for eligible applicants, require a 5-year repayment term and includes our loyalty and automatic payment discounts of 0.

Student Loan Consolidation FAQs - Bankrate

Sallie Mae | Student Loans, Education Loans For College

i think the loan servicer for her federal loans will allow a repayment plan that her residency income can accommodate. private lenders that are refinancing your current loans are typically just paying off these loans regardless of your cosigner status., if you have both federal and private loans, you can choose to only refinance the private loans and leave the federal loans alone. they are much easier and nicer to work with then sallie mae. i can tell you’re pretty passionate about student loan debt, just like we are. you can also read more about student loan refinancing and apply online on our website.  here’s an easy decision tree to help you understand whether refinancing federal loans is right for you:Should i refinance my federal student loans? far as student loan relief, i’m just not sure as nothing has passed yet. so if we consolidate what are the factors we should consider and will it ruin any type of forgiveness she could be eligible for as an rn. my husband and i filed jointly for 2015 because thats the year we got married. for example, the government’s pay as you earn (paye) and income-based repayment (ibr) programs allow borrowers to make reduced monthly payments based on financial hardship. i’m able to put away a little bit more, think about long term goals, save for a house - and i know this burden isn’t going to be over my head for the rest of my life.’ve got too many banks, the interest rates are high, i have both private and federal loans, and the banks don’t give me a payoff date. interest rates on variable rate loans are capped at either 8.!One more thought is that we are also interested in keeping the student loans just in her name… the intent being that i could apply for a mortgage on my own as i have no debt and could get a much more favorable mortgage rate with a better debt/income ratio with all the loans remaining under name. loans to your direct consolidation loans:After your new direct consolidation loan is complete, you may still add more eligible loans to your existing consolidation. the rates and terms listed on our website are estimates and are subject to change at any time. just filled out the application to consolidate a few private loans (navient (originally sallie mae) ,000 total). before 2009 most of the rates were in the 7-9% rate and they’ve gone down substantially. we do have a student loan calculator that we recommend to people looking to find a better interest rate. i am forced to file separate from my husband so they can use just my income to calculate my monthly payment. son needs to take one class and he will be graduated in may 2016. i can’t really speak to the healthcare as i’m not sure how that will impact it. i make over k/year and was denied on immediately on the application. also, with simple interest loans if you make a payment each pay day, the principle balance reduces by that payment, less any daily calculated interest since your last monthly regular payment, thus interest is charged on the declining principle balance. i’d like to try and cut the interest rate down for the remainder of the loan. i started a full time job 2 weeks after graduation and have banked almost ,000. if you would like to add other eligible loans, your servicer must receive your request to add loans form within 180 days from the date your direct consolidation loan is completed (originated). my outstanding balance is only ,500 and i will have no issue qualifying for the lowest published rates. i'm absolutely thrilled and feel like i can breathe again knowing how much this is going to help me financially and the ability to pay my loans off faster.. and is taking a gap year until fall of 2016 in which she will enroll in a physicians assistant program. i refinanced my own loans with sofi and love love love them. if you meet these requirements, you might be an excellent candidate for student loan refinancing and consolidation! i haven’t been able to find a company that will allow me to defer my consolidated loans while in school. allows you to merge multiple eligible loans into a single loan. sofi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect sofi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 30 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, apr, or current monthly payment. your only option may be to pay off the student loan in some other way, be it another loan you’re able to obtain or with your own money. you have more than seven loans to add to your consolidation loan, you will need to submit more than one request to add loans form. their customer service team is prompt in responding to any inquiries via email and very helpful on the phone! the savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of sofi loans upon refinancing for sofi members who refinanced their student loans. see if you qualify here at the governments portal here : https://studentaid. federal student loans offer benefits and protections that do not transfer to private lenders. the application process was easy to follow and very user friendly! direct consolidation loan allows you to consolidate multiple federal education loans into one loan at no cost to you. it works like this, a portion of your monthly payment that you make each month goes to accrued interest and the remainder to principle,which lowers our principle balance. bank private student loan customers have saved an average of ,644/yr2. of paying back your loans in full, why not save 60% of the balance? we are looking to buy a house and have enough money in savings to pay off the loans entirely and also for a 5% downpayment on a 0k house and closing costs. typically any assistance you can get would be from explaining your situation and asking how they can help (which it sounds like you’ve already done). of luck with this, and let me know if there’s anything else i can do to help.’ll go ahead and bookmark your site to come back down the road. we are desperate as i can’t afford these payments and the interest is piling up. please do your homework and let us know if you have any questions or concerns. everyone’s situation is different, and our customer service team would be happy to speak with you about your specific circumstances and to determine if sofi’s loan consolidation is a right match. have a question if anyone will see this:I have already refinanced one of my student loans with sofi (thank you! sofi members come from all kinds of backgrounds and work in a wide variety of industries. very thought provoking and some timeless and classic writing that weaves in and out of investing/finance., they still may be able to afford interest-only payments on their loans, which often aren’t too high. definitely tempting because of their slightly lower rates, but all the hidden “guidelines” for minimum income and the way they calculate the debt to income ratio will leave most with denials (even with my 800+ credit score). aprs for variable rate loans may increase after origination if the libor index increases. lower payments in the beginning and as i moved along in my career and earned more, i could pay more.’s likely the only potential fix would be to consider filing your taxes separately from your husband and weighing the tradeoffs. there – there’s no limit to the amount that you can consolidate/refinance with sofi, and no requirement to work in a certain field. have k in student loans form the years i went to state college…. each of the lenders above lets you pick and choose which to refinance.

Consolidate loans from multiple lenders to make one affordable

, terms of trying to decide which lender to refinance with and how to get the best rates, we do recommend shopping around and applying with multiple lenders.! i have a very unique situation and i need some real advice ;-/ i’ve finished grad school (masters) and now i’ve got about 0,000 in student debt. sofi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (projections for variable rates are static at the time of refinancing and do not reflect actual movement of rates in the future) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of autopay, which enables them to lower the apr of their loan by 0. the consolidation is complete, you will have a single monthly payment on the new direct consolidation loan instead of multiple monthly payments on the loans you consolidated. also offers parents of bachelor degree holders the opportunity to refinance student loans they took out to finance their child’s education as long as their child has graduated and is working. i am an american citizen but i live and work in france, and every month i transfer money from my french to my american account to pay my debt. you consolidate, consider the following pros and cons:One servicer, one statement, one payment. if you don’t think you meet the requirements, don’t worry – as you can apply with a cosigner to increase your chances of getting approved for a better student loan. but moving from my current 8% at sallie mae to just a 5. the rates and terms listed on our website are estimates and are subject to change at any time. he was able to clearly answer my many questions and provide guidance as i put together the required information for the application. your completion of the free federal direct consolidation loan application and promissory note, you will confirm the loans that you want to consolidate and agree to repay the new direct consolidation loan. i called the company and spoke to a woman there who said they would not even give me a rate quote without the password to my checking account so they could see where the money was going. i’m trying to apply for loan forgiveness programs but always get denied due to companies looking at my father’s income and not mine (even though my loans are automatically taken out of my bank account). we hope so, but we’ll have to wait and see! it is doing a new thing to help you who have financial difficulties with federal loans. team at student loan hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. hearing about the student loan refinance options at citizens bank, i was interested to learn more and submit an application.% 15 yr fixed program but you have to live in a big coastal city to qualify and i’m in chicago. the one company i found willing to work with me, sofi, was so incompetent in their customer service that i felt hesitant to trust them with my credit score, after reading that others were billed twice or not at all and then thrown to credit agencies for reported non payment., if you have federal student loan debt, then putting together a budget and student loan payment plan is crucial to your financial health. you share in your blog regarding to student loan consolidation is really very good. i refinance, i am trying to figure out if i am eligible for student loan forgiveness because i taught in title i public schools for ten years. i had an overwhelmingly positive experience and because of it, will be referring my sister for this product as well. can i consolidate these 2 type loans together because i would like to have a lower rate plus the tax advantage since i do make the payments. is helping 100,000+ borrowers manage and eliminate over billion dollars in student loan debt. will look into this more closely and report what i find. loans to your direct consolidation loans:After your new direct consolidation loan is complete, you may still add more eligible loans to your existing consolidation. “if you’re no longer taking classes and have made 12 consecutive on-time student loan payments,…. borrowers who refinance are often able to reduce their interest rates and thus reduce their monthly payments as well. i lost my job and started teaching part time and earning far less than minimum wage per semester. i refinance my student loans with sofi, will i still receive a form 1098-e and be able to claim the yearly interest as a deduction? it’s possible they may send you to collections and then you it’s possible you could get on a payment plan, but it’s not for certain. you guys were the only program that allowed me to consolidate my private student loans for one easy payment. also do not see the benefit of consolidating my federal loan with the education department for now, since all they do is average out you interest rates. i will end up saving tens of thousands over the life of my loan. factors to be aware of:Private loans are not eligible to be consolidated in the direct loan consolidation program. there, i have pretty bad credit(500 range) from being inconsistent with paying back by student loans due to paying four different lenders. am curious to know what happens if you refinance and you die? and salllie mea and navient just keep adding interest rates. son graduated college in 2015 and can’t find a decent paying job over hour. your case it might make sense to refinance only some of your loans. let me know if it doesn’t and you have more questions., i am a stay-at-home mother who just refinanced loans that i took out both as a parent (private parent loan) and in my daughter’s name (trying to keep interest rate down while she was in school because we have 3 in school at the same time)., you’re able to apply to have the loans transferred to your name with sofi, drb, and commonbond. bank and lendkey allow loans in the state of nevada. have you signed up to get our free student loan refinancing cheat sheet? all of my loans are through great lakes and there are interest rates ranging from 3. they may be popular but they are ridiculous and not at all as they claim —apparently throwing out a bucketload of false advertising of their interest rates. she has about 165k debt in federal loans which consists of two 70k loans, one with 6% fixed and the other with 7% fixed and a few other smaller loans with around 5% fixed… i am pretty confident that with our 740 plus credit scores and both having full time jobs with annual salaries around 60k each that we could at least refinance the 70k loan with 7% to a lower fixed rate. they say the only way they could help me is if i was apart of the uniformed services but i honestly think that is terribly unfair to those who truly cannot afford the monthly bill and it eventually becomes a revolving door of late payments and plummeting credit score. for the sofi variable rate loan, the 1-month libor index will adjust monthly and the loan payment will be re-amortized and may change monthly.*click here to see student loan refinance examples that depict apr, monthly payment and total finance charges.’s situation is different, and our customer service team would be happy to speak with you about your specific circumstances and to determine your eligibility for consolidating loans with sofi. if you refinance your student loans, they are no longer eligible for public service loan forgiveness., and yes (although i did this last fall, it may have changed).-signer release: co-signer may be released from loan responsibility after making 36 consecutive, on-time principal and interest payments5. she is looking to refinance the loans she presently has with a deferment upon entry into her graduate program. its been almost 4 weeks now since i accepted and signed the loan. melody – sofi is private lender, not a provider of direct subsidized loans. if you havnt found a fed job by the time you have 10 years left at minumum payment on your fed loans- consolidate ( if the interest rate is better). our lending partners typically require the borrower/applicant to be employed and have a steady income in order to be eligible for refinancing. soft credit inquiries allow sofi to show you what rates and terms sofi can offer you up front., for any federal or state loans, make sure you check out the “pay by income” option– it will allow you to at least lower those payments based on the amount of money you are currently making. i look forward to finishing the process and having a better student loan finance option.

Consolidate Your Loans

the majority of borrowers have both federal and private student loans, which is why this blog post focused on consolidating the two types of loans through the refinancing process. need some help and i’m hoping someone on here has been in a similar position and can guide me through refinancing., for very specific and personal cases, we recommend meeting with a certified financial planner who can really dig into your personal situation. so you can do this check without a hard hit at other lenders and compare. could i consolidate and get a loan that would enable me to pay my parents the portion of the plus loan that i owe and pay off the unsubsidized loan? i recently applied to sofi and they denied me due to my credit and payment history. *to check the rates and terms you qualify for, sofi conducts a soft credit inquiry. the program i am enrolled in doesn’t start until september of 2017 and usually takes 5 years to complete. here's how to decide | refinance and consolidate your student loans | student loan hero(). it’s not possible to use the federal direct loan consolidation program to combine your federal student loans with private loans, it is possible to combine private and federal student loans by refinancing them with a private lender. you can apply with citizens if you are no longer in school and if you have made 12 consecutive on-time payments. i am a psychiatry resident, recently graduated from medical school, and currently have federal loans of 0,000 at about 5. please do your homework and let us know if you have any questions or concerns. it looks like consolidation will work for you, it’s easy to apply:Online: complete your application at studentloans. easiest way to get ahold of them is to just click the links in this post and call the number on this site. to see if consolidating all my student loans would be a good idea. that’s why we recommend borrowers look into student loan refinancing with one of the lenders on this page. for borrowers with a verified graduate degree, fixed interest rates range from 3. can i refinance and consolidate these graduate school student loans while i’m still in school?, graduation is one of the conditions we agreed to with our capital partners in order to keep the cost of the loans inexpensive. a teacher in a low-income urban school district, if i refinance/consolidate my loans through sofiu, would i lose the ability to get loan forgiveness for working in the public sector? is there ever a time to send my loans back to original borrower? at the time when i was looking to consolidate my loans, i could not find many other opportunities like the one presented by you guys. any case, when you refinance and consolidate, you have the option to choose which loans you want to include in the new loan. this in mind we typically encourage borrowers to pay off loans with the highest interest rates first. give us a call at (855) 456-sofi and we can walk you through it. ive been round and round with reps from fed loans, and they can’t give me a straight answer! factors to be aware of:Private loans are not eligible to be consolidated in the direct loan consolidation program. i have a ba and assoc degree and i’m 3 months behind on my payments and sallie mae is driving me nuts with all the calls. however, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull. other nurses at her hospital told her to just pay the minimums for like 10 years and she can get the rest forgiven… any advice is appreciated! you refinance federal student loans, there are a couple of things to think about.% interest (last year’s graduate student rate) is only about 0/month. i work at a bank and rarely see any loan apps to consolidate student loans. in order to provide you with your actual rate, we must perform a “hard” credit inquiry, which will show up on your credit report and may have an impact on your credit score. our expert tips and hacks will help you save money, pay off loans sooner and stress less about student loan debt. i know some do this for parent plus loans, so they may also do so for private student loans. we only evaluate lenders and do not issue student loans. my federal loans are on income-contingent and are being consolidated with fairly good payments that i can make. we’re in forbearance now, we want to combined all loans together and get them into my son’s name.” do you mean you can’t refinance them to another student loan servicer? unfortunately, private lenders typically don’t have to and don’t want to help borrowers like your son. am presently looking at about 60,000 in parent plus loan and my son has about 30,000 in stafford loans. as long as your student loans aren’t in default, you should still be able to apply for refinancing.✝ to check the rates and terms you qualify for, sofi conducts a soft credit pull that will not affect your credit score. i have been able to make all payments so i have good credit and good status with all loans companies. i switch from sallie mae to sofi so i still have the option to go back for masters and not make payments while i am in school? good – for every fully funded degree through commonbond, they fund the education of a student in need abroad for a year through pencils of promise. consolidating loans, does the minimum amount apply to each individual loan, or the total of all loans to be consolidated?’m trying to decide if i should consolidate my loans or keep paying the different interest rates of my current mix of loans. would you suggest for someone in massive student loan debt but hasn’t graduated? blog simply describes how to cosolidate your student loanstudent loan consolidation service. did a quick search and it appears the university of edinburgh is a title iv school.  it’s understandable why people think that, since this wasn’t an option for many years. check out our eligibility criteria for information about what we look at, and call 855-456-sofi with any questions. rate student loan refinancing featuring an interest rate as low as 3. son has 4 federal loans with os principal of ~ ,000 and an interest rate of 6. this example, refinancing would mean both lower monthly payments and a total savings of more than ,600. this is listed nowhere on their site and they knew my annual salary when i filled out the original application and still approved me to proceed., one option could be to refinance some of her loans and leave the others alone. doesn’t matter how much your working class parents make, they’re not eligible even if they have 850 credit and make /hour. am wondering if you refinance loans and pick say a 10 year repayment plan are you able to make additional or higher payments to pay if off sooner if able or is there a penalty for doing so? these are clearly great programs for people who choose careers in public service or education, but if that’s not you, they won’t do you any good. refinancing results in me losing the safety net the government provides for student loans but if i pay less overall with refinancing then i see it as a reasonable risk. my grace period is over in a few weeks and my private loan monthly payments (about 0) plus my government payments (about 0) are too much for me to handle as a recent grad.

6 Best Banks to Refinance and Consolidate Your Student Loans

How to Pay off Private Student Loans from Sallie Mae, Navient and

about ,000 left in private loans via njclass loans through hesaa – credit score at 750 – not a large salary – probably need a co-signer. i don’t meet the debt-to-income ratio requirements with 0k in student loans, well above my annual salary., if you have private loans, which are not eligible for pslf, you can choose to only refinance those if you’d like. my husband’s fico is currently in the 790-800 range.  and if you do qualify, but you’re at the high end of the spectrum, your slightly lowered payments may come at a disproportionate price in the form of accumulating interest. for example, i have loans from navient and fedloan…if nelnet offers me better terms, can i refinance with them? – the most obvious cutoff date to me would seem to be when your federal loans have less than 120 payments left on them. people assume that federal loans always offer the best rates, but this just isn’t true.  this is often the reason that people cite when they say you shouldn’t combine federal and private loans. i have been paying off my loans for over a year now.'s an opportunity to support an organization with a really great message about the community and people. you must first complete your degree (or be in your final semester of school) and then apply. sister is leaving her job and going to be doing some other things through self-employment. he currently has a good job and we are looking for the best option. to be honest, i’m not 100% sure if lenders would allow you to refinance that particular loan, and it may vary from lender to lender. it’s a little upsetting that sofi requires that you have a “large” sum of student loans in order to refinance. percentage points each, as outlined in the loyalty and automatic payment discount disclosures. i’d love to hear a suggestion of a reliable company that will work with me to refinance student loans racked up by attending an overseas school. protection – loan payments are paused and they help find new job. it’s likely tough to get a low enough interest rate to make it worth it, and some lenders do not allow borrowers to use a personal loan to pay off student loans. i got a good job offer before i finished school and no longer need a degree. will releasing my co-signers have any effect if i am planning to consolidate these loans in the near future? wife has about ,000 left in student loan debt with an 8. you can see our faqs for information about loan forgiveness and our refinancing & consolidation programs.% if you are a customer (i still had their cc) and . navient and fedloan just service the federal loans on behalf of the federal government. jeff, i am in real trouble here, we have loans that we need to consolidate but since we have so many out there i don’t know where to start .’re right about consolidating your federal student loans into federal direct consolidation loan. everyone’s situation is different, and our customer service team would be happy to speak with you about your specific circumstances and to determine your eligibility for consolidating loans with sofi.% apr) based on applicable terms, level of degree earned and presence of a co-signer. dayton – although we are a private lender, the loans will remain as private educational loans in their credit report and you can access your 1098-e on our servicing site for tax purposes. all of the lenders that we’ve partnered with generally require you to complete your degree and have a steady income first before you’re able to refinance., there unfortunately aren’t a lot of options when it comes to private loans., i only have about ,500 in private loans that i want to refinance due to high interest rates. you’re looking to save the most money on interest, paying off loans with the higher interest rates first is basically always going to save more, regardless of what the balance are. a parent, if i refinance my student loans taken out for my daughter, will i receive a form 1098-e (pdf), student loan interest statement from sofi and continue to claim the loan’s interest payment? we generally recommend getting rates from a few different lenders to help you decide. perhaps that will give you a clearer picture as to what rates you’re able to get with another lender and will help you make a more clear comparison.! just wanted to ask what are the best steps to take to get my father’s parent plus loans refinanced under my name? also, the balance of both of those together are approximentally ,000…half of the two federal loans. i am considering consolidating my loans so that my payments can be little more manageable. have about 21,000 and have paid on time for almost 8 years. i completed my loan docs and accepted the loan almost 4 weeks ago and earnest has not done anything to send my payoff to my current servicer (nelnet).. it required that my wife apply with just her income and would not consider a co-signer/household income. are pros and cons to consolidating or sticking with what i currently have but which one will result in paying out less? can’t think of any ways that this would impact your plans to consolidate these loans in the near future. i’d really love to refinance and get a lower interest rate. my grandfather only makes 12k/yr now that hes retired? i think the lowest rate is a farce, a simple come on to get you in akin to the car dealer having one example of the “deal” car they advertise in media. they are not required to lower your monthly bill, and many are unwilling to do so regardless of your situation., if you only have private loans, you can apply to refinance them with sofi. i am a single mother and i am trying to get a loan to buy the house i am in so my payment will go down and the key loans are what is standing in my way- key banks only suggestion was to pay on one loan but they would still have to continue collections on the others so they would still say charged off- i have a mortgage loan officer that will work with me and get me my loan for the house if i can take care of the key loans- she is researching it for me and in my own research i found your website- is this something you can help with? i told her i wasn’t giving her that information for a loan quote and she told me i would have to go elsewhere. yes, any of the lenders above can handle just about any kind of federal or private student loan. customer service was fantastic and the network of credit unions was incredible. the lenders we work with now will consolidate both private and federal loans and will combine them if the borrower chooses to do so. our only debt is the student loans and the minimum payments on our credit cards, which we pay off in full every month. at the math and the rates, it was an easy choice for me. but keep in mind that they often result in higher lifetime payments in loans as more interest accrues. subject to additional terms and conditions, and rates are subject to change at any time without notice. i have an ok credit score in the usa (620), but because i don’t live in the states i have no property or cars. similar to when you are being sold any product or service, be sure to read the fine print, understand what you are buying, and consult a licensed professional if you have any concerns. i am the first person in my family to attend college and i have no one to help me figure this out. plus loan made to the parent of a dependent student cannot be transferred to the student through consolidation. i have debt from community college and debt from stanford sitting at 6.

4 Reasons to Consolidate Your Student Loans | Student Loan Ranger

macklin is a co-founder of sofi and vp of community & member success with responsibility for maximizing the overall experience for sofi’s growing community of members. of the biggest student loan myths out there is that borrowers can’t consolidate federal student loans and private student loans into one loan. attended graduate school in scotland at the university of edinburgh. you have both federal and private loans, do you have to consolidate all loans to qualify for a private loan or can you keep your federal loans and only consolidate your private ones?’s important to note that some private lenders offer their own benefits and protections., earnest, and commonbond will consider refinancing loans that were in default in the past and have now been rehabilitated. similar to when you are being sold any product or service, be sure to read the fine print, understand what you are buying, and consult a licensed professional if you have any concerns. thoughts on “how and when to combine federal student loans & private loans”.“if you don’t think you meet the requirements, don’t worry – as you can apply with a cosigner to increase your chances of getting approved for a better student loan. the borrower will be presented with an application disclosure and an approval disclosure within the application process before they accept the terms and conditions of their loan.: student loan hero is a free website to help student loan borrowers. the only exception is that some do not refinance parent plus loans. work w/ our servicer mohela to issue 1098-e student loan interest statements for ppr loans. thanks to the unaffordable health care act…i can no longer teach summer classes and my class load was cut. the only other one that pre-approved me is sofi which i think offered me the published lowest rates. am with navient right now and been with them since they took over loans from sallie mae…. handoffs – you’ll be with our fully trained customer care team from your application to your final payment.  this is particularly true for grad school borrowers who use unsubsidized direct loans and graduate plus loans to finance their education. may be slightly higher than weighted average of all loans. i’ve had difficulty with the federal nursing loan repayment program because they don’t pay back loans that have been consolidated. we sometimes earn a sales commission or advertising fee when recommending various products and services to you. student loan hero is not a lender or investment advisor..i went to big state college for 4 years but never graduated…left school in 2000 and then went back to a tech college 3 years later to get an aa degree…. consolidations (federal student loans you and your spouse consolidated into one consolidation loan) are not eligible to be consolidated in the direct loan consolidation program. so in other words, you could keep the lowest interest rates loans as federal loans and the low rates as well. my credit union that had wayyy better rates than the ones here, common bond and lendkey would not even accept my application. checked multiple companies for student loan refinancing and lendkey was by far the easiest and had best rates., we’ve highlighted the six best banks and lenders to help you refinance and consolidate both private and federal student loans, based on your financial situation. sofi and commonbond got back to me with quick decisions, decent rates and overall treated me well. the application interface is incredibly limited and their customer service seems like an outsourced call center staffed by people who are obviously sick of dealing with angry customers. Compare rates with SoFi, Citizens Bank, and other top lenders. have several private loans that i used for college through key bank and they will not consolidate them in to one.’m trying to consolidate my personal loan (,000) and my student loans (,000); is it possible? must log in to complete and submit federal student loan processes. work on a mortgage company and the very best advice i really could offer is to look around for the.’re also welcome to check out our student loan refinancing webpage and apply online. my parents are unable to help me with the loan payments, but i do live at home without any cost and they pay my car insurance..Mail: a paper application can also be printed, completed, and mailed. finally, just remember that if these are federal loans, you’ll want to consider the federal loan benefits you’d be giving up by refinancing (which are outlined in this post)., assuming you meet other eligibility requirements, you can apply with both lendkey and earnest with an associate’s degree. any one else that could help consolidate my loans (i live in ma)? i had heard rumor they could give the best rates, but it’s not worth the hassle.“not only does sofi provide low interest rates, but they have a seamless process, a tech savvy website and amazing customer service. was very easy to go through the commonbond website and apply for the loan. am embarrassed to say how much my loans total (4 yrs of private school all paid for with student loans = over 100k). we realize there are some great candidates out there who have not graduated, but at this time we don’t have the capital for it. i just got off the phone with sofi who kept trying to get me to consolidate my federal loans but said they could not help me with my private loans.% apr) and will fluctuate over the term of the borrower’s loan with changes in the libor rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. student loans federal student loans private student loans refinance student loans student loan refinance rates student loan smarts. it has been more than 180 days since your consolidation loan was completed, you will need to complete a new direct loan consolidation application to add other student loans. the idea here is to gain a psychological advantage by paying off loans. consolidations (federal student loans you and your spouse consolidated into one consolidation loan) are not eligible to be consolidated in the direct loan consolidation program. if you would like to add other eligible loans, your servicer must receive your request to add loans form within 180 days from the date your direct consolidation loan is completed (originated).% and 5% apr, much higher than refinance rates that are available. you’re most interested in saving money and paying the least amount possible, lowing your interest rates and/or making extra monthly payments will result in the most savings. up for the sofi newsletterhear about sofi tips on money, careers and more! you don't want to use the electronic application, download and complete any applicable forms below. we also serving the students with student loan debt consolidation, aimed to let the clients pay off their debts in an easier manner. to increase your chances of getting approved and receiving the lowest interest rate, we recommend applying with a co-signer. you’re no longer taking classes and have made 12 consecutive on-time student loan payments, you can apply with citizens bank (see above). you can apply to refinance your loans with any of the lending partners on this page. the apr is too high and i’d like to refinance with a banking organization here in usa. i have earned more income this year than ever before in my career and was on the pslfl track but when i entered my agi for the year my projected loan forgiveness is no

Is There Anyway to Get Out From Under My Navient Student Loans

it's so sweet to finally get out of the clutches of my old loans. Learn more about federal and private student loan consolidation and when to refinance at SoFi. have 2 different private loans that have a 5% variable interest rate and a 7. i can’t get my own apartment or a new car because all of my income is going towards these loans, and mostly just interest at that. i am looking to consolidate my private loans because i am unable to live on the current payments. they may seem tempting by the rates they have on paper, but their customer service is non existent. i am in the process of submitting an application to consolidate my fed loans.**we try our hardest to keep interest rates, terms, and conditions listed here up to date. to pay for this my parents took out a parent plus loan in their name and an unsubsidized loan in my name. i had trouble paying them and was on the verge of default when i finally caught up with them earlier this year. you have multiple student loans you may be able to combine them into one loan with a fixed interest rate based on the average of the interest rates on the loans being consolidated. student loan hero is not a lender or investment advisor. you cannot refinance loans until you have completed a degree. have both federal and private student loans, it is possible to do with with only my private loans? you can apply with citizens if you are no longer in school and if you have made 12 consecutive on-time payments. took them 4 months to even make an offer and everytime i called i was told i had to communicate through email (needed a written record) and they said they never got the emails even though i sent them to different places many times. while each private loan payment is about 150-200 dollars, because i am paying 5 different private loans, the monthly overall payment is difficult to live off of.'s almost mind-boggling how much money i'll save through refinancing my student loans with sofi - i'd literally be paying tens of thousands more with my original loans. had outstanding loans from sallie mae with an extremely high interest rate. we're on a mission to help 44 million americans manage their student loans smarter.… i have federal loans and my parents obtained parent plus loans that i make the payments on. give those lenders a shot if you haven’t already, and let us know how it goes. lender refinance private loans if no degree was earned and no longer in school? we sometimes earn a sales commission or advertising fee when recommending various products and services to you. i consolidated/refi’ed with sofi about a year ago and have been really happy with my rate. you’re no longer taking classes and have made 12 consecutive on-time student loan payments, you can apply with citizens bank if you have not earned a degree (see above). they rip students off using capitalized interest that no creditable bank lender is allowed to use anymore. plus, now i belong to a support group of borrowers and lenders, turning debt that was once only a liability into an assets of sorts. hope that helps, and let us know if you have any other questions! i combine mine and my wife’s student loans though sofi? family’s situation makes it difficult to consolidate my private loans.  but now that the choice is available, it’s important to understand whether federal and private loan consolidation is right for you – especially when there’s the potential for significant cost savings on the line. check out these posts to find out how:My husband has k in student loans. she is a nurse and has around 50+k in debt, the lender asked if we thought about consolidation. i was able to extend the maturity… while locking in more favorable rates and releasing my guarantor., that’s a strategy that many borrowers use by focusing on paying the highest interest loans first while paying minimums on the lower interest loans. this includes continuing to build good credit and improve in the other financial criteria. citizens is attractive because i would qualify for their loyalty discount and i’d be fine with the auto payment discount too, so essentially an extra . student loan borrowers have the option of consolidating their loans via the direct consolidation loan program offered by the u. note for all reviews:*the actual interest rate you will receive is based upon your credit score, income, savings, degree type, and/or presence of a co-signer. a lot of digging, i found out that their dti percentage is inflated and won’t reflect your actual debt or income, and the 40% they claim you have to be under isn’t accurate either. send any questions you have and we can take it from there. i can’t consolidate my loans through any bank or company i’ve tried because i don’t have have a degree. i started off with 4k three years ago and i will be done with my loans in less than 5 yrs. sofi messed up details of my loans multiple times (likely due to a very buggy online application interface). have bother government and private loans totaling more than 100k. on the information i’m looking at, idaho residents should be eligible for drb, sofi, citizens, lendkey, and commonbond. i refinance my loans with the big private lenders as opposed to the guys listed here? while i know not all students are able to afford this, it’s a strategy to consider if you can. book-marked it to my bookmark webpage list and will be checking back soon. real refinancing rates in 2 minutes with one form and no impact on your credit score. i’m sitting here stuck with these high interest rates on my student loans, but i don’t have enough debt to refinance, and i don’t make enough to just pay them all off. have roughly 60,000 dollars in private loans and about 50,000 in federal loans. the right bank to refinance or consolidate your student loans is confusing. you can get lower rates with private financing if you have great credit, but otherwise, it may not be worth losing the benefits. regardless, is it a better idea to wait and see what happens in the future with loan forgiveness programs or refi/consolidate now and just get rid of these dang things asap? it can help you to consolidate the debt consolidation federal and private loans.  through this process, you actually apply for a new loan (which is used to pay off your original loans) and you’re given a new—ideally lower—interest rate. information obtained via student loan hero™ is for educational purposes only. am going to save thousands of dollars and some portion of that is going to help other people involved in education right now. it smart to just concentrate on paying my highest interest loans first (~7%), while paying just minimums on lower interest loans (~3. nancy – at this time we are only able to refinance student loans for graduates. honestly, it’s really impossible for me to say what impact this will have for certain and how it will affect eligibility. the best way to lower payments on private loans is through student loan refinancing. and the trouble i’ve been having is that a lot of these refinance companies don’t refinance out of country student loans.. have a private loan, my mom has a parent plus for me, and i have two federal loans. there a way you could list out minimums and maximums each company would be willing to take on?

Student Loan Consolidation Guide - The Simple Dollar

, i do not think you’ll be able to refinance given your current income and credit score. my play is on the widely held belief fed rates will not normalize for at least the next twenty years (assuming the usd still exists as-is and isn’t replaced). to commonbond community – borrowers are connected to events in their cities, networking opportunities, and lifestyle perks. lenders are willing and able to refinance both federal and private student loans that you obtained to attend a “title iv” school.

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