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It also may lower your monthly payments by giving you as long as 30 years to repay.While consolidating federal student loans may give you a much-needed break on your monthly student loan payments, that lower monthly payment amount comes with a price.

With inexperience and prevailing financial illiteracy, mistakes often occur and naïve mismanagement can leave young adults wondering how to recover. When you apply, you select a student loan servicer and a repayment plan (learn more about Any questions you have about your loan application should go to the student loan servicer you selected for your consolidation loan. You can apply electronically or get a paper application.Because student debt is so prominent in our society, questions frequently arise when young adults begin to understand the gravity of credit and make steps toward gaining control over their financial portrait.However, simply because private and federal loans can be consolidated, does not mean that they should be in all situations.

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