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Everyone wants the best for their children in terms of their education. However, these days this education comes at a high cost. You may get the loan you want when you begin, but the problem is how to pay it. The most common type of loans is the federal loans. These can be consolidated in order to make lower and easier repayment options.
As the name says these are the loans which the federal government backs and has benefits. These benefits are interest rates which are fixed, and repayment plan based on your income.
Restrictions cap interest rates
You can lower your monthly payments with consolidation. This is because federal direct consolidation loan government project caps the maximum interest rate to be charged at 8.5 %. So when you consolidate your loans through this program you do not have to pay more than this percentage.
Income based repayment plans
If you have a federal student loan then you can avail of the income based repayment plan. With this you do not have to pay more than 15% of your current income towards your student loans. This gives you flexibility in your budget every month.
A drawback with federal student loan consolidation
The negative with this scheme is that the loan is based on fixed interest rate. This means when you consolidate your loans, you cannot negotiate to a lower interest rate than what you have. Also you cannot combine your private student loan consolidation with your federal student loan consolidation.
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