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Teachers may similarly be able to get some student loan debt forgiven if they work in underserved communities — especially if they teach math or science.
Your school or employer may even offer a program to help with student debt, so be sure to research or ask about them.
often help make it possible to earn a college degree, which over time can help you earn more. You may have to drop out of school before you finish your studies. Or you may discover you’ve borrowed more than you can pay back.Private loan consolidation Like federal consolidation, a private consolidation loan allows you to combine multiple loans into one, and offers the same potential benefits listed above. Choose a variable interest rate loan, which can be a cost-saving option if you plan to pay off your loan relatively quickly. Enjoy the benefits of consolidation, including one simplified monthly bill.However, the interest rate on your new, consolidated loan is not a weighted average of your old loans’ rates. Unlike consolidation, student loan refinancing is only available from private lenders.This is a somewhat complicated question, especially since these terms are sometimes used interchangeably. Federal loan consolidation Federal loan consolidation is offered by the government and is available for most types of federal loans—no private loans allowed.For example, consolidation simply means combining multiple student loans into one loan, but you get different results by consolidating with the federal government vs. Student loan refinancing is when you apply for a loan under new terms and use that loan to pay off one or more existing student loans. When you consolidate with the government, your existing federal loans are combined into one new loan with a new rate, which is a weighted average of your old loans’ rates.
Second, and perhaps most important, it’s very difficult to get out of repaying student loans, even if you fall on hard times.