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Consolidating a defaulted private student loan Text chat with hot girls online no sign up

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Student loan consolidation is a relatively easy concept to understand: it is the process of taking multiple student loans and combining them into one. Before consolidation, a student borrower might have multiple loans to pay back and many different loan balances to track.

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Learn more » You could choose to pay the full amount of what you owe on your loan to get out of default. Learn more » On this page, we write exclusively about getting out of default on your Federal Direct and FFEL student loans.

Unfortunately, in order to be eligible for Public Service Loan Forgiveness on your Federal Direct student loans, you have to be enrolled in an eligible repayment plan and consistently making on-time payments.

Make nine out of 10 on-time payments using the same formula as Income-Based Repayment, which would cap your monthly payment to 15 percent of your income or less.

The important thing to note is that you can call the Helpline for free, get some advice about what you should do, then decide whether or not you want to pay them to take care of it for you.

To reach the Private Student Loan Relief Helpline, call 1-866-530-9946.