Consolidating private student loans calculator


01-May-2016 16:47

allows you to consolidate (combine) multiple federal education loans into one loan. Top Private education loans are not eligible for consolidation, but for some Direct Consolidation Loan repayment plans, the total amount of your education loan debt—including any private education loans—determines how long you have to repay your Direct Consolidation Loan.The result is a single monthly payment instead of multiple payments. Direct PLUS Loans received by parents to help pay for a dependent student’s education cannot be consolidated together with federal student loans that the student received.We put together this guide to help you get information on all of the top student loan refinance lenders without having to jump around multiple websites.After you are done, you will know how to refinance and consolidate student loans. You may now have a general idea of how to refinance student loans and how to consolidate student loans, as well as the basics of what each lender offers, but there is much more information you should know before choosing a lender.This calculator is not an application for credit, does not act as a guarantee of credit, or as an offer of credit. Results are based upon user input; actual loan offer, monthly payment, and total cost of loan may vary.The stated APR, monthly payment, and total cost of loan calculated by this calculator are not intended to replace or supersede any disclosure generated upon approval of a loan application. Before an offer of credit is extended we will obtain a current consumer credit report for the borrower and cosigner (if applicable), and a current copy of the borrower's and cosigner's (if applicable) FICO score from Transunion.You'll also see how much you could be expected to repay on your education loans each month and the overall cost of borrowing. By using Autopay percentage point interest rate reduction on your loan by authorizing our loan servicer to automatically deduct your payments each month from your bank account.The interest rate reduction for authorizing our servicer to automatically deduct monthly payments from a savings or checking account will not reduce the monthly payment, but will reduce the monthly finance charge, resulting in a lower total cost of loan.

A longer repayment term can mean lower monthly payments, but it often means you are paying more in the long run.

We start by discussing the basics of student loan consolidation and refinancing, and comparing the benefits and drawbacks of federal and private consolidation loans.



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