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Unsecured credit card is usually offered to people without requiring them to have a bank account. It also does not require a client to have a minimum maintaining balance for the service to be continuous. This is becoming more popular than secured credit cards, the purpose of which is to gain more clients, including students, in the market. With unsecured credit cards, a student can have a credit card at the soonest possible time unlike that of its opposite where you will be required to present documents before it is issued and approved.
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To better understand the concept of student loan consolidation, I'm going to give you a crappy example I've made up just awhile ago. It's not that good (it's crappy), but it should be able to make the topic a bit easier to understand. Here it is: you've been assigned by your mom to rake the leaves on the lawn. She wants you to gather them into 5 equal piles, burn it, and distribute it to 5 of her friends (for some stupid unknown reason). You find that very unreasonable as well as difficult and time consuming. Not to mention the energy and frustration you'll be going through while at it.
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Once you have an unsecured credit card, you can start purchasing items and avail of services with the simple use of your card. Of course, you can only purchase up to the maximum amount of credit approved for your account. The credit card company can increase your maximum credit limit depending on your ability to pay and your standing as a borrower. At this point, you might think of availing for another card so you can enjoy the benefit of spending more but remember not to lose track of all the credit cards you have taken. Sooner or later, you might notice that you have been spending more than you should and more credit card bills are coming your way. At the end, you realize that you are having financial problems which you know should be addressed in the earliest possible time.
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So to make things easier, you get someone else to do it for you. You pile the leaves in a big bundle and have the guy you've hired do all the dirty work for you. Again the example sucks, but that's the way student loan consolidation works. I'll explain it here: going to college is one of the most expensive events that are going to happen in your life, and it's hard to stumble across an individual that doesn't need to take out several loans to cope up with all the expenses. Now, student loans may in general be categorized under two types, the first being: federal student loans.
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Instead of wracking your brains with the best solution to your problem, school loan consolidation may be an option. You start to ponder on the advantages and disadvantages, will this work to your liking? Should you take what is being offered to you? Before you start deciding, you should consider certain things so that you will not regret your decision later. How will debt consolidation be of use to you?
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This type is given through the US Department of Education's Federal Student Aid programs, and considered the fastest and easiest type a student may get his hands on. The 2nd type is private student loans, which are obtained at financial institutions, such as the bank. Now whichever of the two you pick, there's probably going to be a lot of them availed, which means you'll be taking multiple loans. That means you could be paying back different lenders and paying for loans with various deadlines and interest rates, which is going to be a burden on your part. So to make things easier, you go for the method of student loan consolidation, where you put all those debts into one big "bag", which means it's treated as a singular or consolidated loan.
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Loan consolidation is also another name for debt consolidation. It is where multiple loans are transformed into a single loan. This is to make it more suitable to the lifestyle of the client to pay it on a monthly basis. There is greater chance for the loan amount to be paid within a longer period of time and at a lower interest rate or fixed interest rate. This way, it would help the client find a solution to his financial worries.
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That's convenient on your part because you make single monthly payments instead of many. There's something that you should always remember though, which is not to consolidate the federal type with the private type. You see the interest on federal student loans is tax deductible, while the interest on the private type isn't. By combining them, you lose the tax deduction - so don't do that. What's going to make you eligible for this service? Well basically there are 3 determining factors, the first being: you aren't enrolled in any school anymore. The second is you've shown good conduct with paying your loans.
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But what are the things that are hidden about school loan consolidation? If you do not religiously perform your obligation in the loan agreement, of course there are consequences. It is true that you will find it very convenient to be paying just one bill but you also have to realize the consequences that you might face by having all your debts consolidated. First, you will be paying for a longer period of time. Though you might be paying lower interest rates, you will be paying them for years. As a student, you will still be incurring debts after debts on top of your student loan, especially if you do not know how to control your expenses.
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3rd is you're in the 6 month post-grad grace period. So what are the other benefits you should expect to gain when going for student loan consolidation (aside from convenience)? There are basically 3 advantages for you to gain here, namely: a lower rate of interest and reduction of monthly payments as the loan payback period is increased to 30 years. When you graduate, you're going to have to pay everything you own back (obviously). So to make things easier for yourself, consolidate them.
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The choice of having one is something you have to make for yourself and it is not that easy.
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Version du 12 janvier 2016 à 15:42

To better understand the concept of student loan consolidation, I'm going to give you a crappy example I've made up just awhile ago. It's not that good (it's crappy), but it should be able to make the topic a bit easier to understand. Here it is: you've been assigned by your mom to rake the leaves on the lawn. She wants you to gather them into 5 equal piles, burn it, and distribute it to 5 of her friends (for some stupid unknown reason). You find that very unreasonable as well as difficult and time consuming. Not to mention the energy and frustration you'll be going through while at it. So to make things easier, you get someone else to do it for you. You pile the leaves in a big bundle and have the guy you've hired do all the dirty work for you. Again the example sucks, but that's the way student loan consolidation works. I'll explain it here: going to college is one of the most expensive events that are going to happen in your life, and it's hard to stumble across an individual that doesn't need to take out several loans to cope up with all the expenses. Now, student loans may in general be categorized under two types, the first being: federal student loans. This type is given through the US Department of Education's Federal Student Aid programs, and considered the fastest and easiest type a student may get his hands on. The 2nd type is private student loans, which are obtained at financial institutions, such as the bank. Now whichever of the two you pick, there's probably going to be a lot of them availed, which means you'll be taking multiple loans. That means you could be paying back different lenders and paying for loans with various deadlines and interest rates, which is going to be a burden on your part. So to make things easier, you go for the method of student loan consolidation, where you put all those debts into one big "bag", which means it's treated as a singular or consolidated loan. That's convenient on your part because you make single monthly payments instead of many. There's something that you should always remember though, which is not to consolidate the federal type with the private type. You see the interest on federal student loans is tax deductible, while the interest on the private type isn't. By combining them, you lose the tax deduction - so don't do that. What's going to make you eligible for this service? Well basically there are 3 determining factors, the first being: you aren't enrolled in any school anymore. The second is you've shown good conduct with paying your loans. 3rd is you're in the 6 month post-grad grace period. So what are the other benefits you should expect to gain when going for student loan consolidation (aside from convenience)? There are basically 3 advantages for you to gain here, namely: a lower rate of interest and reduction of monthly payments as the loan payback period is increased to 30 years. When you graduate, you're going to have to pay everything you own back (obviously). So to make things easier for yourself, consolidate them.

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