Consolidating graduate student loans

Most students receive loans from a different borrower every year, if not every semester, so it is commonplace to have 8-10 student loan payments due every month when you finally graduate.

You can simplify the repayment process by applying for a Direct Consolidation Loan, which can best be defined as: one payment to one servicer, once a month.

The Direct Consolidation loan is a fixed-interest loan with flexible options, based on your ability to repay.

There is no fee to consolidate, though you can only do it once.

If your loan is subsidized, you won’t be responsible for making any payments until after you graduate.

Your interest rate typically should be 3.76% in 2017-2018 school year.

Now, parents may take out Parent PLUS loans and graduate students may use Grad PLUS loans.There are two types of Stafford Loans: subsidized and unsubsidized.The type helps determine your interest rate and maximum loan amount.If you’re a medical student, you have the highest limits.You may borrow up to ,500 annually and 4,000 in total.

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