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Giving yourself time to evaluate loans for consolidation is a good idea.Instead of trying to find time off work to apply for a loan, you can just go online.You can consolidate any federal loans you have after graduating into a single federal direct consolidation loan.

The truth is that while credit card bills start rising, you don’t have to be in that situation forever.The key here is that you must be responsible with how you use your credit, always making sure that you’re paying on time and not spending so much that you don’t know how you’ll pay back the rest.Here’s how a consolidation loan would work: you apply online and search through multiple offers. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. Our partners cannot pay us to guarantee favorable reviews of their products or services. " At Nerd Wallet, we strive to help you make financial decisions with confidence. If you have multiple student loans, consolidating them into a single loan with one monthly bill can help you cut through the confusion of repayment. We believe everyone should be able to make financial decisions with confidence. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research.

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The companies online just want to make sure that you will be able to successfully repay your loan.

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