So what exactly is student loan consolidation?
In a nutshell, consolidating your student loans is a way
to refinance your existing student loans and combine them
into one new loan. The key benefit of this is that your
interest rate and monthly payments can be significantly
reduced. You could in fact end up saving thousands of dollars.

The federal government, in its efforts to provide accessible
and affordable education for all, has set low and fixed
interest rates on all federal student loans and is also
offering a student loan consolidation program with flexible
repayment schedule and reduced interest rates.

All the advantages of loan consolidation are available to you:
you make a single payment every month instead of the several
payments you initially had, the amount of money you pay is
lower than the sum of amounts you had on your previous loans
and there is only one lender that you make the payment to.
Also, applying for a student loan consolidation program is
an easy process that does not involve any credit checks and
does not require you to pay any additional fees or charges.

Advantages and disadvantages of a student loan consolidation
program With the student loan consolidation program you get
all the advantages that come with rolling several different
loans into one. The interest rate is lower than the average
of your previous interest rates, which means you can actually
save money while you are repaying the loan, and it is not
subject to change for the duration of your repayment schedule.

The repayment plan is flexible, you can extend the period
you need to pay back the loan, or you can choose to pay the
entire sum earlier with no additional prepayment penalties.
There is also the option of making the payments online which
decreases the rate of interest by 0.25% and also keeps you
constantly up to date with the details of your repayment status.

There are, however, a few disadvantages. For instance,
before applying for a student loan consolidation program you
need to do the math of your existing loans properly. If some
of your loans have extremely low rates of interest it is
not advisable to consolidate them because after they are
averaged with the interest rates of your other loans the rate
will increase and you will end up paying more money.

In this situation it is better to pay your low interest loans
separately and only consolidate your other student loans.
Also, always keep in mind the repayment schedule flexibility
offered by the student loan consolidation program.
You can stretch the payments to a period of 30 years, but
it is advisable that you prepay the loan if such an
opportunity arises. This will save you the interest added
in time, therefore meaning that the amount you prepay is
much lower than the overall sum you would pay in 30 years.

The student loan consolidation program is an effective tool
in simplifying your repayment schedules and lowering your
interest rates.

It’s a beautiful day here in New York City.
Probably one of the last bright, sunny and warm
days left this year and I’m not going to spend it inside
writing away on this computer.

So I’m off to the outside and sunshine
and will be reporting in on a regular basis.
Talk soon.

Have a blessed day.
Carl Willoughby

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When you factor in expenses like room and board, books,
transportation and supplies, the average 4-year public institution
costs roughly $14,333 per year. And at a private institution
you can double or even triple that amount.

Even students from middle class families will probably not have
the funds to cover a full post secondary education.

Funding for school can be found for almost any person, for any
purpose, and can be sponsored by any organization or individual.

Scholarships can be awarded for scholastic abilities, talents and skills,
athletics, and ethnic background, just to name a few of the reasons.

Therefore, it is important to know one’s background, talents,
interests, and career aspirations when looking for scholarships.

The chance for many students to attend college depends on
receiving scholarships. Otherwise, they will have to take out loans
that will have to be paid back.

Scholarships do not have to be repaid.

Many students and families are under the impression that only
highly intelligent people can receive scholarships.

Scholarships are not only for the valedictorians and star athletes,
but for regular students with some unique qualifications.

They typically fall into two categories:
1) need-based 
2) merit-based.

Need-based scholarships are more often than not determined
by the student’s EFC (Expected Family Contribution).

Merit-based scholarships are typically based on a student’s talent
or academic prowess.

However, other things like the leadership ability, moral character and
involvement in extracurricular activities can warrant scholarship access.

While a family’s financial situation could impact merit-based eligibility,
usually it does not.

Funding for school can be found for almost any person, for any
purpose, and can be sponsored by any organization or individual.

Scholarships are awarded for scholastic abilities, talents and skills,
athletics, and ethnic background, just to name a few of the reasons.

Therefore, it is important to know one’s background, talents,
interests, and career aspirations when looking for scholarships.

Being aware of these details can give perspective when faced with
lists of awards that are available, and can also give some ideas of
where to look for scholarships.

Another thing to be aware of when it comes to scholarships is that
not all of them are full scholarships, so it is imperative to apply for
as many as possible.

On the other hand, some scholarships will not be awarded to
students who are already recipients of another award, so before
accepting any combination of awards, be sure that they allow the
freedom to use other scholarships to assist with education costs.

Some scholarships will vary in amount depending on additional
sources of financial aid and may award just enough money to cover
the remaining tuition balance.

With this knowledge, and the help of a high school counselor or
financial aid officer, the process should less intimidating.

Here are some resources to get more information:

Scholarship Resource Network Express - http://www.srnexpress.com

College Answer - http://www.collegeanswer.com

Fastweb - http://www.fastweb.com

College Board Scholarship Search - http://www.collegeboard.com

FreeScholarshipGuide.com - http://www.freescholarshipguide.com

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