School Loan Consolidation Rates & Tips
College Loan Consolidation Rates & Tips

I've personally consolidated my student loans four times as the loan rates came down, but now that they're going back up, it's more important than ever that you consolidate your student loans as soon as possible.

To help you with your loan consolidation needs, I've created the following school loan consolidation guide:

School Loan Consolidation Guide

Q: Where can I consolidate my school loans for as little as 2% Fixed?
A: I've found some of the sites listed below offer rates as low as 2% fixed. Interestingly enough, when I check their sites throughout the day, I find that the rates go up and down depending on the time you check.

Q: Can I consolidate my loans while I am attending school?
A: If you are currently a full- or half-time student, you can apply for a Consolidation Loan upon graduation. I found that with my loans disbursed prior to July 1, 2006, the interest rate during the grace period is 0.60% lower than the Stafford repayment rate. By consolidating while you are in grace, you will have the opportunity to secure a lower interest rate and start paying down your student loans.

Q: Can I get an in-school deferment on my Consolidation Loan?
A: If you are attending school at least half-time you will be eligible for an in-school deferment on your Consolidation Loan. Keep in mind that you will need to begin repaying your Consolidation Loan immediately upon graduating, withdrawing, or dropping to less than half-time enrollment status. Citibank offers a special Consolidation Loan four-month Lender Option forbearance that may be considered to help you ease into repayment.

Q: How do I apply for a Consolidation Loan?
A: Apply today to lock in a low fixed interest rate loans. Check the sites below as I found them offering rates as low as 2% fixed for a Federal Consolidation Loan:

Q: What is the maximum/minimum loan limit for a Federal Consolidation Loan?
A: There is no limit to the dollar amount you can consolidate.

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