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Consolidating sallie mae loans and direct loans

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ñ graduated repayment plan: this plan allows for students to make payments that can be reduced or be interest only for a period of four years.

However, this will increase the costs after this period of time for the remaining balance on the loan.

Originally founded in 1972 as a government sponsored agency, Sallie Mae began privatization in 1997.

FREE CONSOLIDATION OPTIONS Sallie Mae‘s private loan consolidation is fee free, allowing for graduates and undergraduates to lump together all of their private loans into one lump sum, with a period of thirty years to make repayments.

Interest rates are variable instead of fixed, and are mostly based on the student's or cosigner's credit history.

Figuring out how to pay for both college tuition and student loans is a problem plenty of undergraduates and graduates are struggling with, especially in this difficult economy, where less and less businesses are providing employment opportunities to recent graduates.

With the increase of the number of loans students are taking out to be able to afford the costs of living associated with living at college, there is an increased opportunity for students to consolidate their loans and make it easier for them financially by making only one payment per month to cover the balance of all the other loans they have taken out.