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How to Consolidate Sum Notice For Free

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hi and welcome to this tutorial here Ill show you how to take a range that has many values for the same product or person and consolidate that into one range without any duplicate values while at the same time summing the values for the same products or people from the first range so it sounds a little confusing Ill explain it in a second but if youd like to get this workbook and download it go to teach Excel com search for this video tutorial and you can download this workbook and everything you see here so what Im talking about is using the consolidate command in Excel and what I have here is a sample sales report I dont know it could be from a bunch of customers thats what we have here so customers on the left and amounts on the right and some of the customers have made multiple purchases throughout the month of September so we have John Doe for $34 right here John Doe 422 and John Doe for $14 so a big list of this is going to get kind of annoying and itll be hard to see exa

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Can you consolidate a defaulted Perkins loan?

(See Default Status and Perkins Eligibility later in this chapter.) A borrower may include his or her defaulted Perkins Loan in a Direct Consolidation Loan.

Does student loan consolidation affect loan forgiveness?

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.

Do I have to consolidate my loans for PSLF?

PSLF consolidation is only a requirement if it makes your federal loans eligible for an income-driven repayment plan. This has been the case for federal family education loans and Perkins loans. So while you might not have to consolidate loans for PSLF, it could still be beneficial.

Do I need to consolidate my student loans for loan forgiveness?

You can lose credit for your payments toward income-driven repayment (IDR) forgiveness. You dont have to consolidate all your federal student loans.

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.

Are debt consolidation loans expensive?

Typical interest rates on debt consolidation loans range from about 6% to 36%. To get a rate at the low end of that range, youll need an excellent credit score (720 to 850 credit score). But even a good credit score (690 to 719 credit score) could help you get a better rate than you have now.

Can you consolidate just one loan?

You can consolidate all, just some, or even just one of your student loans. Direct consolidation loans are now the only type of federal student consolidation loan. Under the Direct Loan Consolidation Program, you can consolidate just about any type of federal student loan into a new Direct consolidation loan.

What is the downside to consolidating debt?

You may pay a higher rate Your debt consolidation loan could come at a higher rate than what you currently pay on your debts. This could happen for a variety of reasons, including your current credit score. Consumers consolidating debt get an interest rate based on their credit rating.

What student loans Cannot be consolidated?

Private education loans are not eligible for consolidation. Direct PLUS Loans received by parents to help pay for a dependent students education cannot be consolidated together with federal student loans that the student received.

Does consolidation take it off your credit?

Debt consolidation loans can hurt your credit, but its only temporary. The lender will perform a credit check when you apply for a debt consolidation loan. This will result in a hard inquiry, which could lower your credit score by 10 points. Hard inquiries will only affect your credit score for one year.

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