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The chart below provides a summary of the differences. Consolidation provides grads with the ability to combine their student loans into one megaloan, but it comes with drawbacks.Discover Card is serious about safeguarding your personal information online.When you access your account and perform transactions on the Discover site we use 128-bit-Secure Sockets Layer (SSL) encryption technology-the most widely used method of securing internet transactions available today.

​We’ve created this guide to help borrowers better understand the emerging student loan refinancing and consolidation industry.One major advantage of federal consolidation loans is that borrowers don't need a stellar credit score to qualify, they can apply any time (even if their loan is in default) at Loan gov, and they'll always get a fixed interest rate.Most graduates leave school with a number of different student loans, racked up throughout their years in college.Loan consolidation is when a borrower takes out a new loan to pay off several smaller student loans.Instead of making multiple payments to multiple lenders, the borrower only has to pay off the new consolidation loan, says Michelle Pezzulli, vice president of operations for Credit Union Student Choice, a student lending service provider in Washington, D.




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