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“Overall, the goal is that you’ll lessen your debt load.” Reaching that goal, however, can be a lot harder than it seems because the ins and outs of student loans can be all sorts of confusing.

If you’re new to paying off your student loans or have never refinanced a loan before, then you might be wondering just exactly what it means to refinance student loan debt. When you refinance, you can transfer a single loan or multiple loans to a different bank.Loan consolidation can also give you access to additional loan repayment plans and forgiveness programs. Refer to the complete list of federal student loans eligible for consolidation in the application.There is no application fee to consolidate your federal education loans into a Direct Consolidation Loan. Department of Education (ED) or ED’s consolidation loan servicers. Top A Direct Consolidation Loan has a fixed interest rate for the life of the loan.You may be contacted by private companies that offer to help you apply for a Direct Consolidation Loan, for a fee. There’s no need to pay anyone for assistance in getting a Direct Consolidation Loan. The fixed rate is the weighted average of the interest rates on the loans being consolidated, rounded up to the nearest one-eighth of one percent. The loans that were consolidated are paid off and no longer exist.

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