Loan consolidating companies

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The rising costs of higher education are prompting students to go further and further into debt in order to afford college.

A Fidelity study estimates that the graduating class of 2013, for example, faces an average of ,200 in college-related debt upon graduation.

Your grace period is determined by your loan and is the time period between when you graduate, drop below half-time status, or leave school and the time your first payment is due.

If you have more than one federal student loan, you may be eligible to consolidate these loans into one Direct Consolidation Loan so that you are only making one payment a month instead of several. You cannot, however, consolidate your private student loans into a Direct Consolidation Loan.

You may be able to consolidate private loans through a private financial institution, but this is not generally recommended.

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