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Online College Loans Consolidation Information Guide


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Consolidating Student Loans:  How to refinance student loans to lower monthly loan payments and reduce college debt. 

Student loan consolidation

Consolidating student loans: how to refinance student loans to reduce payments and make federal college loan debt more manageable.

Loan consolidation is the process of combining multiple college student educational loans into a single, larger loan which a student pays off each month.  Students and parents who have education loans, such as Stafford loans and PLUS loans, can refinance, or consolidate multiple loans into a single loan, with a single lender, with a lower monthly payment, at a low fixed interest rate, that’s good for the life of the loan. Most federal loans can be consolidated. Students can consolidate while still in school, during the six-month grace period immediately following graduation or during the repayment period. Keep in mind, interest rates are lower when you consolidate in-school or during your grace period, but you then must begin paying the loans immediately, forfeiting your six month grace period on repaying your student loan debt. By consolidating during the grace period, you save about one-half a percentage point.  With a federal consolidation loan, your lender pays off the balances of all the loans you choose to consolidate and then issues you a new loan.  The interest rate on a consolidation loan is determined by taking the weighted average of interest rates on the federal education loans the student has and rounding up to the nearest one-eighth of a percentage point. The final rate will differ from student to student. Many people are consolidating student loans to reduce monthly university student loan payments.  A consolidation loan can lower a borrower's monthly loan payment by as much as 40 percent while stretching out the repayment period.

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Online Degree Guide: home

General college degree info
About college degree programs on-line
Finding the right online degree program for you
The best on line school depends on your goals
Online degree compared with traditional diplomas
Understanding your online degree options
Steps to choosing an online college degree
About distance education and on-line learning
Online education: Things to know
Fast university degrees online: Are they good?


Online Bachelor's degrees
Online bachelors degree program FAQs

Online bachelor degrees financial aid FAQs p. 2

Online Master's degrees
Accredited online masters degrees

Fast master's diploma and degrees: an overview
Online masters degrees: life experience diplomas
Fast masters degrees: choosing a good program

Online Doctorate and PhD degrees
Online Doctorate and PhD degree Colleges
Online Ph.D. degrees & doctorate programs on line
Fast doctor diploma or earned online PhD degree?

Business Degrees and Programs 
Bachelors and MBA Business degrees

MBA in Business degree accredited
On-line Business college program info
Business degree online options
Fast online MBA degrees

Computer Degrees 
Computer Engineering online degrees
Information Technology IT degree & programs
Computer Science online programs & degrees
Online e-commerce & e-business degrees
Graphic Design degrees & programs
Digital Arts degree programs- BA and MA
Computer Animation online degree universities

Criminal Justice Degrees
On-line Criminal Justice degree programs

Criminal Justice associates, BA degree online
Fast Masters of Criminal Justice degrees

Education Degrees 

Online Education degree overview
On-line education degree bachelors
Online degree in education PhD or doctorate

About Online College Accreditation 
How to know which programs are accredited

Joke diploma template: Fun gift gag degrees

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