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The form asks basic questions (name, social security number, date of birth, address, etc.); what loans you do and do not want to consolidate; and what repayment plan you will be using.There also is a section detailing certifications, terms and conditions and borrower’s rights and responsibilities.There are no fees associated with the Direct Consolidation Loan process. Your student loan servicer should be able to answer any questions you have about student loan debt consolidation.To contact your student loan servicer log into your federal student aid account and look for contact information.Still, some companies, like So Fi and Lend Key, have found a way to offer students a competitive rate and a variety of repayment conditions.
Student loan consolidation won’t strengthen your credit rating directly, but the benefits of consolidation can ensure your score continues to trend upward.
Online lenders So Fi and Lend Key have jumped to the front of the line among newcomers who are becoming big players in a business that traditionally was dominated by banks and credit unions.
So Fi’s success is tied to innovative services that start with putting the entire loan application process online and making it fast. It takes just a few minutes to fill out the application and even less time – usually about two minutes – to receive an answer on whether you’ve been approved.
Combining several student loans, whether federal or private, only makes sense if you are going to receive a lower interest rate and reduced monthly payment terms.
The market for consolidating and refinancing student loan debt has exploded over the last five years.