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BEST PRIVATE STUDENT LOAN CONSOLIDATION YOUR BEST CHOICE Important Status Definitions for Federal Student Loan Consolidation are: grace, repayment, deferment, or default status. The grace period occurs after you leave school due to graduation or otherwise of drop below half-time enrollment. You may have several months before payment is due. Repayment is simply making payments on your loan. Repayment period is the period during which payments are required to be made. A deferment is a temporary suspension of a borrower’s monthly loan payment. Principal payments are postponed, but interest may or may not accrue. Default is a failure to repay a loan according to the terms agreed to when borrowers signed their promissory notes. Reasons for Federal Student Loan Consolidation You should consider Federal Student Loan Consolidation to avoid default. The consequences of default can be severe. You can consolidate Stafford loans, PLUS loans, and Federal Perkins Loans into one single debt. You may cut your monthly payments, but with a longer term on the loan. Consolidation loans typically have a fixed interest rate for the lifetime of the loan. The term of the loan can be extended to 10 to 30 years. Although your monthly payments may be lower, the total amount paid may be higher due to the longer term of the consolidation loan. Federal Direct Consolidation Loans. visit our website to learn more.. Private Fast Loans Dot Com

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