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Student Loan Consolidation

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#1 Jessica

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    Posted 26 September 2008 - 09:50 AM

    Has anyone consolidated their student loans? I think that is going to be what I need to do at the end of next spring when I graduate. I have loans through Sallie Mae, Citibank and Direct Loan Servicing. Anyone have experience with any of them? Good? Bad?

    #2 Spazz

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      Posted 26 September 2008 - 10:20 AM

      I consolidated all of mine through Sallie Mae after I got out of school a few years ago. I locked in at a good rate (can't remember what right now, maybe 3%?). I think they're great to work with and I've never had a problem with them. Their website is very user-friendly and has some great features. I went through a period when I couldn't afford to pay when I first got out of school and I applied can for a voluntary forbearance online with no problem. Just a few weeks ago, I realized I could be paying more, so I played around on their website figuring out how much I could increase my payments and how many months it would take off of my total payments. All in all, I would highly recommend them.

      #3 Christine

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      Posted 26 September 2008 - 02:38 PM

      I did it a few years ago through direct loan. They take money out of my account each month and I get a certain % off for having a direct withdrawl and paying on time each month.
      Christine + Will (married 7/20/07) + Ainsleigh (born 6/25/08) + Nolan (born 11/9/10) + Delaney (born 12/31/13) = One Very Happy Family!

      #4 -Kate-

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        Posted 26 September 2008 - 03:56 PM

        I did mine through Sallie Mae too - low rate back in 2005 when I did it. I have the $$ taken directly from my bank account. Super easy to deal with.

        #5 starchild



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          Posted 26 September 2008 - 04:00 PM

          I did mine through Citibank. I got in at a good time, the rate is locked at 2%

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