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How to Consolidate Subsidize Accreditation For Free

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Reid is with us in Alabama I read welcome to the Dave Ramsey show hey Dave how you feeling today better than I deserve sir how can I help so I am 23 and my wife and I have about a hundred and forty thousand and student loans together and we are paying it off as furnaces and possibly can but I think that some of our interest rates are kind of high we have some variable interest rates as well as fixed and Im curious at what point do you think we should consolidate like how bad is too bad of interest rates well if you can save money on the interest on a student loan and you can go from variable rate to fixed rate and you can go from a higher fixed rate to a lower fixed rate then thats when consolidation is in order now the question is youve got to go through the hassle of fooling with all of this how much is it actually going to save you in real dollars when you do that and for how many years how long are you going to be in debt whats the total of your student loan debt its a hundre

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Do my loans need to be consolidated for PSLF?

Do you have to consolidate loans for PSLF? Youll need to consolidate your loans to qualify for Public Service Loan Forgiveness if you have FFEL or Perkins Loans. Parent PLUS Loan borrowers may also need to consolidate so they can qualify for a PSLF eligible-repayment plan: income-contingent repayment.

Do consolidation loans qualify for PSLF?

Generally, no. The Standard Repayment Plan for Direct Consolidation Loans is not the same repayment plan as the 10-Year Standard Repayment Plan, and payments made under the Standard Repayment Plan for Direct Consolidation Loans dont usually qualify for PSLF.

What are three disadvantages to consolidating your loans?

Cons: Consolidating could erase payments toward loan forgiveness. Your loan can be forgiven after making payments for 20 to 25 years under an income-driven repayment plan. Consolidating to a longer loan term can be costly. Consolidating could increase your interest rate. Unpaid interest gets added to your balance.

Do I qualify for student loan forgiveness if I consolidated my loans?

If you consolidate loans other than Direct Loans, consolidation may give you access to forgiveness options, such as income-driven repayment or Public Service Loan Forgiveness (PSLF). If you consolidate, youll be able to switch any variable-rate loans you have to a fixed interest rate.

Does loan consolidation affect PSLF?

The limited PSLF waiver provided PSLF credit if you submitted a consolidation application on or before Oct. 31, 2022, and a PSLF form with a qualifying employer. Under the waiver, youll receive PSLF credit for time in repayment prior to the consolidation that is matched to certified employment.

Do payments prior to consolidation count towards PSLF?

Any payments you made on your loans before you consolidated them wont count as qualifying payments for PSLF or TEPSLF. If you consolidate, youll need to make 120 qualifying payments (typically 10 years) and then apply for forgiveness.

Does consolidation affect student loan forgiveness?

Consolidation may cause you to lose borrower benefits such as interest rate discounts, principal rebates, or some loan cancellation benefits associated with your current loans. Consolidating your current loans may cause you to lose credit for payments made toward income-driven repayment plan forgiveness or PSLF.

Will my loans be forgiven PSLF?

The PSLF Program forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer.

What happens when I consolidate my student loans?

When loans are consolidated, any unpaid interest capitalizes. This means your unpaid interest is added to your principal balance. The combined amount will be your new loans principal balance. Youll then pay interest on the new, higher principal balance.

Do I qualify for student loan forgiveness if I consolidated?

If you consolidate loans other than Direct Loans, consolidation may give you access to forgiveness options, such as income-driven repayment or Public Service Loan Forgiveness (PSLF). If you consolidate, youll be able to switch any variable-rate loans you have to a fixed interest rate.

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