Consolidating student loans direct lending

14-May-2016 21:42

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With so many refinance options available through private lenders, such as Earnest* and So Fi*, when does it make sense to consolidate through the government?

The built-in benefits you receive from federal student loans will be the biggest factors in making a decision.

You’ll end up paying more money back over 30 years than you would on a 20-year term.

For that reason, it’s best to go into it with a plan to ramp up payments if you think you’ll be in a better financial situation later on.

consolidating student loans direct lending-85

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You’re taking a risk when you refinance your student loans using that avenue as benefits can change at the discretion of the lender.Additionally, the repayment term on a Federal Direct Consolidation Loan is up to 30 years – there are no private lenders offering repayment terms that long. It’s a double-edged sword, as a longer repayment term means a lower monthly payment, but it also means the cost of the loan increases.

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