How and from where should i consolidate my student loan?
I have student loan subsidized and unsubsidized total of about 20000 with 4.25% interest rate and citiassist (private loan) of 6000 with the same interest rate all from citibank. Can i consolidate my loan with lower and fixed interest rate? Citi doesnt consolidate any more.
How can it be possible for someone to apply for a student loan, when it’s so much hassle. I’ve have send in
everything that they question for. They make phone calls all the time, and its been more than a month and I still don’t get an answer. My son will be beginning his semester now in September, he is counting on this loan. (Citiassist) The credit of the co-signer is brilliant. So why does it take so long. Have I been the only one? Their promotion saids (an answer in 15 minutes) thats a complete lie. I have spent over 50 dollars sending faxes of papers they keep asking for. I want to hear of any other cases.I agree really but I do it all online and then it saves in the system for every semester or year and your son or daughter can just take in the copies of your taxes to the admission office. Way quicker and simpler. I know it took me about a week I reckon to get my daughters pin number in the mail but it stays the same forever. And you might even be able to get it online the same day this year. Just fo to www.fafsa.com excellent luck
I don’t reckon I ever had money released from a loan until a day or two before classes were to being. When someone is depending on a loan to go though they will usually go to class like they would and if there is a problem the student gets flagged and the teachers will tell them they need to talk to the Financial Aid office. You might also want to call up the FA office yourself if you reckon there is going to be a problem.
Yep, private student loans should be simple. You can apply online at http://www.shareasale.com/r.cfm?B=91476&U=165969&M=13781 (if you apply through this link I get paid $ 2, just to be up front about it.) Or you can go directly through to them at http://www.StudentLoanAdvisors.com if you apply before 10pm eastern they call you back straight away and usually get an answer to you in a day, money sent directly to you in about 10 days. You can join the referral program and earn $ 2 for each free request if you want by clicking here… http://www.shareasale.com/r.cfm?B=70&U=165969&M=47 Kind of nice to make a couple bucks while helping students.
Private Student Loan Question?
Hi. I’m applying for a private student loan through citibank (called a citiassist loan) I want to borrow 10,000 dollars, but I don’t know how the interest accumulates. Say the interest rate is 10%, so would the total balance be 11,000 after one month or one year? If its after one month, then would the following months total balance be 12,200? I tried calling and asking them, but they wouldnt give me a straight answer. Thanks, any help would be fantastic.Educate yourself on how to calculate student loan interest. use this calculator to determine not only your payments, but your interest over the whole time and how much your going to end up paying back http://nelnet.com/calculators/LoanRepaymentCalculator.aspx?path=bsp.fye.ufa.calc Your looking around 84 dollars of interest a month. 1008 for a whole year. for the standard 10 year length.
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{ 2 comments… read them below or add one }
***Updated with new information on the listed lenders***
Redrose:
Federal loans and private loans are not eligible to be consolidated in the same loan package.
The best place to consolidate your federal loans is through the US Department of Education’s own loan consolidation program. You can find the Federal Direct Consolidation Loan Information Center here: http://www.loanconsolidation.ed.gov/
The government will not consolidate your private loans – so you’ll need another lender for that option. Unfortunately, the private loan consolidation marketplace is very limited right now – just like the market for private educational loans themselves.
I can’t provide you with a list of even the few remaining lenders that will consolidate private loans right now, but you should check with, in alphabetical, but no other order:
Bank of North Dakota (may not be accepting apps)
Collegiate Funding Services (Chase – accepting apps)
Collegiate Risk Management (accepting apps)
EduCare Financial (accepting apps)
Educational Loan Company (not accepting applications)
Georgia Student Finance Commission (may not accept app)
Navy Federal Credit Union (apparently fed only)
NextStudent (not currently accepting applications)
StudentLoans.com (not currently accepting applications)
Student Loan Financial Group (accepting applications)
US Bank (not currently accepting applications)
VFI (Vista Financial) (unclear if they’re accepting apps)
Wachovia Education Finance (seems to be fed only)
Wells Fargo Educational Financial Services (not accepting)
American Collegiate Financial (gone)
American Student Loan Services (fed only)
Anchor Bank (not accepting apps)
One Simple Loan (may not be making consol. loans)
Royal Credit Union (not accepting apps)
Many of those companies may no longer be making student loans of any kind.
Good luck.
Students who are looking for a bad credit student loan should pick three schools they are most interested in, talk to the admissions office, and ask what is needed to apply in their school.A bad credit