There are two types of consolidation loans: federal and private, and they each come with distinct advantages and drawbacks.
Federal consolidation loans can only be used for federal student loans, but private consolidation loans can be used for both federal private student loans.
While refinancing is often used in other realms of finance (like mortgages) to describe repaying a single older loan with a new loan, consolidating with a private loan technically includes refinancing as well since the term and interest rate of the new loan are different from the old loans.
Getting a federal consolidation loan isn’t usually considered as “refinancing” since the interest rate of the new loan is equal to the weighted average of the loans being consolidated.
Consolidation loans repay old loans with a brand new loan that has its own unique terms and conditions.
The basics of federal and private consolidation loans are outlined below.
Borrowers with a poor credit history may still be able to qualify if they can secure a cosigner with good credit.
Some lenders require that the borrower’s debt-to-income ratio be below a certain threshold.
Student loan consolidation or refinancing can be a great tool to use for those looking to save on, or simplify, their monthly payments, but going that route can also have serious consequences if not approached carefully – there are even student loan consolidations scams to be aware of.
A weighted average means that the loans with a higher balance influence the interest rate more than loans with a smaller balance – the overall impact of each old loan on the new interest rate is proportional to the comparative balance of that loan.
Because the interest rate is a weighted average and rounded up, borrowers won’t ever save money on interest by opting for a federal consolidation loan unless the loans are pre-2006 and have a variable interest rate.
The new interest rate would still be equal to the current interest rates in that situation, but it might save money in the future if the variable rates rise (the new fixed rate would stay the same).
The following table illustrates how a weighted average works.
Helped me get my student loan debt straightened out and a more affordable payment.
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