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from: Student Loan Consolidation - Why Not Get One?
Steve Faber
You hear commercials about consolidation loans all the time on
the radio and see them on TV. These are usually ads for debt
consolidation loans that are typically used to consolidate
consumer debt, such as credit cards, car loans, or store charge
cards. The main advantage here is that you can replace many high
interest loans with a single loan at a much lower interest rate.
The disadvantage is that you have to put your house on the line
as security for the new loan.
That's where student consolidation loans differ from standard
consumer debt consolidation loans. Because most student loans
are insured by the federal government, you are not required to
use any security in order to consolidate them. You do however,
get the same advantages you get with other consolidation loans;
lower monthly payments and more convenience because you're
replacing many loans with only one. Therefore, you've got fewer
possibilities for errors that can cause late or incorrect
payments.
A major difference between consumer consolidation loans and
student consolidation loans is that, in order to consolidate
student loans a credit check is not required. In fact, the
process is relatively easy, and well worth doing, as there is
basically no down side. You get all the advantages of
consolidating consumer loans without getting a credit check or
putting up a home or other real estate as collateral.
According to recent government statistics, the average
undergraduate college student now graduates with approximately
$27,000 in student loans. This is because the dramatically
increasing cost of a college education. This trend towards
higher education costs is showing no sighs of slowing, so in the
future students may have even a higher loan burden upon
graduation. If that proves to be the case, the demand for
student loan consolidation, and the payment relief it provides
can only grow.
About the author:
Discover what you need to know about student loans and
consolidation. Consolidating your loans will save big money
every month, but you must know how. Check out the
ion_advice.html">Student Loan Consolidation Guide; because
your money's a terrible thing to waste.
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