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Education > Student Debt Consolidation
 Posted by AimeeLou1984
Dec 14, 2006 08:40 PM
Student Debt Consolidation
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Student debt consolidation is a way of helping students to get out of their debts. With the sometimes impossible fees placed upon students these days it is extremely difficult to pay them off without taking out further finance. However, student debt consolidation is there to help and whilst you could argue that taking out one loan to pay off another is simply madness; it has actually managed to help out thousands of students worldwide. So, exactly what are the pros and cons of student debt consolidation?
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Pay the Loan Back With No Extra Fees
So you are now out of college or university and you are now looking to pay back your loan. Often with an ordinary loan extra charges can occur in order to pay the outstanding balance off. However, with a student consolidation loan you do not get charged any extra fees and you can pay off as much as you like when you like.
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Flexible Interest Rates
Often with loans, interest rates vary and they go up and down without much warning. However, with a student consolidation loan the rate tends to stay the same even when you are working. This means that you know what you are letting yourself in for and the rates will never change.
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You Are Paying Back More Money Overall
Currently your debts may be over $15,000, however with a student consolidation debt you could double that and end up paying back $30,000! Basically the longer you take to pay the loan back, the more you will be paying!
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You Can Take Your Time Paying It Back
Another benefit many students find attractive is the fact that they can take their time paying back the loan. With lower repayments the loan is extended so that you simply pay it back over a longer time period. This means that you don’t have to rush around like a madman trying to find the money to pay the bulk of it back on time!
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You Will Lose Government Help
When you take out a un-consolidation loan the government tends to pay for your fees for six months after you graduate. This means that you do not have to take responsibility for your loan until you are employed. However with a consolidation loan you alone are responsible for the fees after you graduate, which means that you will have less financial freedom than your friends who do not have a consolidation loan do.
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Lower Monthly Repayments
Most of the time you will find that when you take out a consolidation loan you will save a lot of money compared to what you were originally paying before you took the loan out. This means that you get to spend more money on the things that you want instead of on a boring loan which is bleeding you dry!
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It Takes Longer to Repay The Debt
Whilst the longer repayment option is an advantage in a way, it can also be a very big disadvantage. Just think – you are going to be leaving college soon and when you are earning properly you may want to think about buying your own home. Well, with a consolidation loan you might as well forget it! You will be in debt for years to come and often you will find it extremely difficult to get a mortgage.
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It Gets You Out of Debt!
The main benefit of student debt consolidation is that it does actually get you out of your original debt. You will no longer owe thousands of dollars to numerous companies and it will lift a huge weight off your shoulders!
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You Are Still In Debt!
It doesn’t take a genius to work out that even though you are paying off your other debts, you are still using a loan to pay them off which means that you are still overall in debt!
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