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Consolidating direct and non direct student loans

HESC is New York State's student financial aid agency.They have helped thousands of students achieve their college dreams by providing over 0 million in grants, scholarships and federal student loan guarantees.When it was time to start repaying my loans, I was quite overwhelmed.I had different types of loans and different interest rates.By the time my grace period was over, I had a decent idea of how much I had borrowed in total, but I had no idea what my monthly payments would be. I had started my new job and been paying rent and other bills for about six months.

Use this guide to learn when consolidation can free up your budget, what types of debt you can consolidate and what your other options for getting out of debt are.

Students can choose from federal or private loans, or they may take out both.

There are many differences between these lenders, including rates and terms so it's important to research the available lenders before taking out a new loan.

In hopes that you won’t make the same mistakes I did, here are some things I wish I had known when I was graduating and getting ready to start repaying my student loans: Let’s be real.

When you take out student loans to help pay for college, it’s easy to forget that that money will eventually have to be paid back … The money just doesn’t seem real when you’re in college, and I didn’t do a good job of keeping track of what I was borrowing and how it was building up.

822 comments

  1. Free student loans papers, essays, and research papers.

  2. I think student loans trip up nearly everyone. It seems so easy. You don’t even have to really sign anything anymore because all you do is type your name into the.

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