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2. Pros and cons of consolidating student loans

   www.aol.com/finance/pros-cons-consolidating...

   Consolidating student loans is a smart step for many federal borrowers; here are a few of the advantages: Potentially lower monthly payments: Direct Consolidation Loans have a repayment timeline ...

3. What is student loan refinancing and how does it work? - AOL

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   Student loan refinancing involves taking out a new loan to pay off one or more of your current student loans and streamline the repayment process. It can provide a lower interest rate, extend your ...

4. Have Bad Credit? You Can Still Consolidate Some of Your ...

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   How to Consolidate Private Student Loans. Private student loan lenders prefer borrowers with excellent credit, a long credit history, stable income and a low debt-to-income ratio. If your credit ...

5. Private student loan (United States) - Wikipedia

   en.wikipedia.org/wiki/Private_student_loan...

   Private student loans. A private student loan is a financing option for higher education in the United States that can supplement, but should not replace, federal loans, such as Stafford loans, Perkins loans and PLUS loans. Private loans, which are heavily advertised, do not have the forbearance and deferral options available with federal loans ...

6. Student loans in the United States - Wikipedia

   en.wikipedia.org/wiki/Student_loans_in_the...

   The Health Care and Education Reconciliation Act of 2010 (HCERA) ended private-sector lending under the Federal Family Education Loan Program (FFELP) starting July 1, 2010; all subsidized and unsubsidized Stafford loans, PLUS loans, and Consolidation loans are under the Federal Direct Loan Program.

7. How to refinance student loans with bad credit - AOL

   www.aol.com/finance/refinance-student-loans-bad...

   The bottom line. If you have bad credit, you may be motivated to refinance your student loans to lower monthly payments. However, many lenders require a minimum credit score in the mid-to-high ...