Student Loan Consolidation: Why to Consolidate ?

Both federal student loan consolidation and private student loan consolidation offer the benefit of a significantly lower monthly payment and simplified finances. If you want to consolidate student loans, begin with your federal Stafford, Parent PLUS, Perkins, and all Federal FFELP and Federal Direct Loans that were taken out for your education. Private student loan consolidation is a separate program that allows you to refinance all non-federal, education related debt.

Even if you can make the monthly payments from your original school loans, you may still want to consider consolidating to lower your payments and free up money for bills with higher interest rates. These include credit cards and personal loans, neither of which have tax-deductible interest.

Creditcard Debt Consolidating

Times are tough and people are having trouble staying on top of their bills. One thing you might want to consider is consolidating your credit card debt.

Obtaining a personal loan or other financial product to consolidate your credit card debt is one way to accomplish this. The way this works is that you would obtain a personal loan, let’s say, and use it to eliminate your credit card debt.

There are several reasons to consolidate credit card debt, but the most common reason is to lower monthly payments. Doing this will mean that you will have more disposable income at the end of each month.

Let’s say, for example, that you have two credit cards with monthly payments of $60 and $80. If you obtain a personal loan to pay off these credit card balances, you would end up with both credit cards paid off, one monthly payment and, chances are, a lower monthly payment than what you were paying for the two credit cards combined ($140).

People also like to take advantage of lower interest rates and special promotions which are offered as a means of paying off credit card debt. If your credit cards have relatively high annual percentage rates (15% or higher), just think of the money you would save with a 6.9% personal loan.

Consolidating credit card debt also tends to simplify people’s lives. By consolidating your credit card debt, you only have one payment each month as opposed to the several you had prior to the consolidation. An added benefit of consolidation is that budgeting becomes simpler as well because the personal loan normally will be paid as a fixed amount each month and will be due on or about the same date every month.

An alternative to using a personal loan would be to apply for a high credit limit credit card and transfer the existing credit card balances over to the new card, thereby consolidating the payments to one. If you do this, be sure to apply for the credit card with the lowest annual percentage rate.

Consolidating credit card debt is a very common financial solution. It can assist consumers in organizing their debt, taking control of their finances, and even saving money in the long term.

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