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If you don't actively choose a different repayment plan, your loan servicer will place you on the Standard repayment plan.If you have already been repaying your federal student loan(s) and want to explore the Standard, Graduated, or Extended repayment plans, we recommend contacting your loan servicer to explore the best repayment option for you.Your actual interest rate may vary depending on details provided in your credit application.When companies advertises that they can "save you money," what they are usually referring to is simply a reduction in your total monthly payments -- not a savings in the cost of paying off your debt in full.Next, enter the consolidated loan's rate, term and any origination fees that might apply and click the "Figure Consolidating Costs" button.

Once you have entered everything you wish to consolidate, click on the "Calculate Current Debts" button.The first step is to talk to a certified credit advisor.ACCC’s credit advisors are available by phone at 800-769-3571 Monday to Thursday from 9 am to pm, Friday 9 am to 8 pm, and Saturday 10 am to 6 pm.For more information on how to manage debt and how to pay down debt, check out the Talking Cents blog’s posts about debt management here.Based on the details you’ve entered, it appears that you’ll be debt free sooner with your current payment plan.




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