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Does consolidating student loans affect credit score

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This can be an incredibly effective way to avoid the negative consequences of default, such as your loan immediately being due in full, taxes and wages potentially be garnished, and a big hit to your credit report, among others.The catch is you can typically only use it once in your lifetime.By consolidating and locking in those low rates, you can ensure that your loans won’t get more expensive over time if interest rates rise.If your federal student loans are in default, which typically means that you have missed payments for 270 days, you can consolidate your loans to get out.Given that consolidation won’t improve your interest rate, why should you consider consolidating your federal student loans? Here are three of the biggest reasons to consider consolidating your federal student loans.The government offers a number of income-driven repayment plans for federal student loans, and these plans are a real bargain for three main reasons: The catch is that only Direct federal student loans are eligible for some of these repayment plans.By the end of this post you will understand both options and have a good idea whether one, or both, are right for you.

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Student loan consolidation refers specifically to the federal student loan consolidation program, a process through which you can combine one or more federal student loans into a single Direct Consolidation Loan.

You cannot use this program with private student loans. Department of Education, you’re talking about refinancing, not consolidation.

And keep in mind that you can consolidate a single loan all on its own, so you don’t need multiple FFEL loans to take advantage of this.

If you wouldn’t otherwise be eligible for those repayment plans, or if you already only have Direct Loans, then consolidation won’t help you here.