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Depending on your credit score and income, you may qualify for a loan with a lower interest rate.Lowering your rate can save you a lot of money over time and allow you to pay off your loan faster. If you currently have private loans, you may have a variable interest rate.Plus, refinancing is only available through private lenders, so you lose the federal benefits associated with any federal loans you refinance.The new, refinanced loan can have completely different terms, too.

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When you take out a Direct Consolidation Loan, you can extend your repayment term to up to 30 years and get a smaller payment.Consolidation simply makes keeping track of your loans easier since you’ll have just one loan to manage and one payment to make each month. If you refinance, you can consolidate several loans into one.However, you can refinance both federal and private loans.While extending your payment term can make your payments more manageable, keep in mind you’ll pay more in interest over the length of the loan. You want to qualify for an income-driven repayment plan.If you consolidate loans other than Direct Loans, you can become eligible for income-driven repayment plans.We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions.The rates and terms listed on our website are estimates and are subject to change at any time. If you choose to check out and become a customer of any of the loan providers featured on our site, we get compensated for sending you their way. So please learn all you can, email us with any questions, and feel free to visit or not visit any of the loan providers on our site.Under these plans, the government extends your repayment term and caps your payments at a percentage of your income.That can help give you more breathing room in your budget.You’ll get a new loan equal to the combined amount of your old loans.It will have a fixed interest rate based on a weighted average of the loans you consolidate.