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advantages and disadvantages of consolidating student loans-39

Instead, a private lender will typically use a borrower's credit score and other financial information to provide a new interest rate on the consolidated loan."Essentially, if you're consolidating loans with a private lender, you are also in fact refinancing those loans," according to So Fi, a peer-to-peer lender based in San Francisco.In other words, refinancing is when a borrower applies for a loan under new terms, and uses that loan to pay off one or more existing student loans.For example, Perkins Loan borrowers lose valuable interest subsidy and cancellation rights by consolidating.Also, consolidation is usually limited to larger loan amounts and may extend the loan repayment period.

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