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Consolidating federal loans

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With student loans soaring, debt-saddled students and graduates are desperate for any strategy that may help them escape their burden.

Under certain circumstances, federally backed student loans – such as Direct Subsidized Loans and Federal Perkins Loans – can be discharged or forgiven.

Loans made by the federal government, called federal student loans, usually offer borrowers lower interest rates and have more flexible repayment options than loans from banks or other private sources. Federal student loans are an investment in your future.

Learn more about the differences between federal and private student loans. How much money can I borrow in federal student loans? What should I consider when taking out federal student loans? You should not be afraid to take out federal student loans, but you should be smart about it.

Community Q&A If you've watched TV or opened your mail lately, you know that there are plenty of companies eager to help you consolidate your loans to "cut your payments in half," "lower your interest rates," and "help you get out of debt fast." Indeed, consolidating your high-interest loans and credit card debt into a single loan with a lower interest rate and more manageable payments makes perfect sense. Many people who consolidate loans end up paying more than they would have otherwise.

In the case of home-equity loans, in fact, an alarming number of borrowers end up losing their homes.

[Back to top] Applying for consolidation takes most borrowers less than 30 minutes, according to the Federal Student Aid website.

Federal student loan consolidation basics How to consolidate federal student loans Benefits of federal consolidation Drawbacks of federal consolidation Private student loan consolidation (student loan refinancing) When you consolidate federal loans, the government pays them off and replaces them with a direct consolidation loan.

You’re generally eligible once you graduate, leave school or drop below half-time enrollment.

The following page has been maintained for historical references, but the most current information about these programs now will be found under the Direct Loan Program page.

One of the most familiar names in Federal student loans is Stafford.