| Student Loans are available to attend the college or | | | | Consolidation loans for debts you accrued as a |
| university of your choice. You can apply for student | | | | student are available even if you have a bad credit |
| loans online. Student debt, being unlikely to be the | | | | history or have had judgments against you. The |
| largest debt owed by a person may be best | | | | repayment terms can range from 5 to 30 years |
| managed in consolidated student loans. | | | | depending on the total of the outstanding balances |
| Private student loans are based on an applicant's | | | | and a monthly payment that meets your needs. |
| credit worthiness, often require a co-signer, are not | | | | Consolidation interest rates can be much lower (under |
| need based, and upon approval the funds are usually | | | | 2%), but this comes with very specific requirements |
| sent direct to the applicant. Though Schoolwork.org | | | | - like good repayment history. Consolidating your |
| does not offer students financial adviser, we are | | | | loans under one loan may be a step in the right |
| happy to provide tips, info and opinions. Private loans | | | | direction toward simplifying your life. |
| may be the answer! Private loans also do not offer | | | | Consolidate your debt into one lower payment, avoid |
| the opportunities for cancellation or loan forgiveness | | | | bankruptcy, and be debt free in as little as 12-48 |
| that are available on many federal loan programs. So | | | | months. Consolidating student loans doesn't take long, |
| it makes good financial sense to exhaust your federal | | | | but you should take your time when selecting a |
| loan options (as well as grants and scholarships) | | | | consolidating lender. |
| before considering loans from any private companies. | | | | |