Consolidating federal graduate student loans

15-Aug-2016 09:18

Huffington Post Reader Question Dear Steve, I am at the very end of the grace period since I graduated, and will owe a total of ,000 in student loans (all are government ED loans both Direct and Stafford unsubsidized and subsidized).

I would like your advice since I went back to college am 40yrs old now that I finished college.When you complete your online application for the consolidated loan you can choose a payment that is income contingent and based on what you can really afford.Till your income increases, this is far more beneficial than missing payments.This approach is understandable, since after receiving your undergraduate or graduate degree your focus is on other things (like could save you a significant amount of money.

You just need to figure out if you’ve reached that point.For example, the average So Fi borrower saves ,359.*2.

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