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    You do this by taking out a new loan for the amount of the balances of the existing loans, use the newly borrowed money to repay all the older loans, and then focus on repaying your one new loan.This simplifies your financial situation and makes it easier to keep track of loan terms, payments, and other information you need to know.With this method, the Direct Consolidation Loan is used to pay off your old debts.

    Federal student loan borrowers have the option of consolidating their loans via the Direct Consolidation Loan program offered by the U. That loan is then serviced by the servicer of your choosing – of which Nelnet is one!

    By consolidating credit card balances, loans and lines of credit, you can pay down debt faster with one easy monthly payment – often at a lower interest rate.

    Two options are: The following chart shows how a hypothetical educator who has ,000 in credit card debt could lower his or her monthly payments by 5 and save about ,682 on total interest paid by consolidating debt into a home equity loan.

    Each of these loans likely comes with different terms, payments, servicers, and statements.

    The sheer amount of information and numbers can be difficult to track.

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