Rein yourself set for a minute. Consolidation would be the perfect treatment for your financial woes moreover it might not be. So prior to deciding to hop on the consolidation bandwagon, here are a few items you might want to consider. To consolidate or not to consolidate: that is the question. But there's hard answer. You have a variable rate of interest and would prefer to have a very fixed rate. This may be a wise decision nevertheless, you might want to wait and contemplate it provided that rates of interest start going back up. You need to ease high on your monthly premiums. Beware of this approach. A lower payment generally means a longer repayment period and paying more interest as time passes. Any of the loans you plan to add have cancellation or forgiveness options which might be lost if you consolidate.

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