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    Consolidating direct student loans

    Want to simplify your life with one monthly payment? There is one caveat: federal student loans can be combined into Federal Direct Loan Consolidation but private student loans can't.To lower your monthly payment and simplify loan repayment, consider a Traditional Direct Consolidation Loan.

    Each of them may have different terms, including interest rates.My current situation is bad since I am currently being supported 100% since I could not find employment for the last two years.The good news is I just got hired by a company in my field, but won't start work till the first week in December, and my first check isn't till the 15th of December (when the first loan payment will be sent to me).So, for a simplified example, if you have two loans, one for ,000 at 4% interest and one for ,000 at 6%, your consolidated loan will have a ,000 balance and a 4.7% interest rate.By combining your interest rates, you also lose the ability to employ a favorite tactic of financial planners for paying down debt: targeting the most expensive debt, the loan with the highest interest rate, first.

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