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    Consolidating private student loans direct loans

    With an average balance of ,400, student debt is a big part of the average college graduate's life.

    You do this by taking out a new loan for the amount of the balances of the existing loans, use the newly borrowed money to repay all the older loans, and then focus on repaying your one new loan.

    Most graduates leave school with a number of different student loans, racked up throughout their years in college.

    Each of these loans likely comes with different terms, payments, servicers, and statements.

    As part of the process, you’ll need to provide details about your existing federal student loans, and choose a federal loan servicer and repayment plan for your new consolidation loan.

    You have to complete the application in a single session, so do your research before you start. You can consolidate all your federal loans or just some of them.

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