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kdelace
Is it summer yet?
Member since 7/03 3090 total posts
Wedding Date:
1/1/2011 12:00 AM
Wed. Location:
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Student Loan rates- Help!
want to consolidate- who do you have your student loans with??? low rate? of course I waited until the last minute
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Posted 6/22/05 9:17 PM 
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nov04LIbride
Asshatery: Nature or nurture?
Member since 3/04 8138 total posts
Wedding Date:
11/6/2004 11:00 AM
Wed. Location:
Hard-boiled eggs also have hearts of gold.
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Re: Student Loan rates- Help!
LOL you have til midnight on the 30th! I have a 3.25% with Sallie Mae.
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Posted 6/22/05 9:18 PM
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cocoa
I love my mer-man!!!
Member since 1/04 5869 total posts
Wedding Date:
8/8/2004 12:00 PM
Wed. Location:
thatched cottage
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Re: Student Loan rates- Help!
I was just about to post the same thing!!! I have my loan through Direct Loan (government). I have some notice from MBNA and another through College Loan Corp. I pay my loan automatically through my checking. Who do I call? Do I keep paying the way I do? I am totally confused!
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Posted 6/22/05 9:23 PM
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bride04
"I'm Addicted"
Member since 10/02 2175 total posts
Wedding Date:
4/17/2004 12:00 AM
Wed. Location:
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Re: Student Loan rates- Help!
Can you reconsolidate your loans? I already consolidated mine a few years ago. Is the current rate 3.25%? Right now my interest rate is 4.0%, but in July it should go down to 3.0% because I made 3 years of on time payments. Before you consolidate, make sure you shop around. Even though the interest rate you get initially will be the same, a lot of lenders offer incentives for paying on time. I remember one I looked into gave a decrease of 0.5% after 4 years, but I found one that gave 1.0% after only 3 years.
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Posted 6/22/05 9:33 PM
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cjb88
I'm a married lady!!!
Member since 11/04 7315 total posts
Wedding Date:
4/8/2006 6:00 PM
Wed. Location:
Hamlet Willow Creek A+++++++
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Re: Student Loan rates- Help!
I consolodated with Direct Loans (govt ) and my interest rate is 3.125% which will also go down a bit once I make a certian amount of on time payments...
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Posted 6/22/05 10:07 PM
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christy
Married 5 Years!
Member since 1/02 6763 total posts
Wedding Date:
4/18/2003 6:30 PM
Wed. Location:
Flowerfield
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Re: Student Loan rates- Help!
Posted by nov04LIbride
LOL you have til midnight on the 30th! I have a 3.25% with Sallie Mae.
Is there something going on that I dont know about? I already consolidated years ago with Sallie Mae...can I get a better rate now?
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Posted 6/22/05 10:30 PM
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VickiC
Something for Everyone!
Member since 1/02 2395 total posts
Wedding Date:
8/18/2002 3:30 PM
Wed. Location:
The Meadow Club
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Re: Student Loan rates- Help!
You can only reconsolidate your loans if you have a new student loan to add to it.
You also can only consolidate Federal loans, any private Student loans cannot be rolled into the consolidation (as we found out a couple weeks ago).
We have my DH's through Citibank and are locked in at 2.875%. We're rolling his Sallie Mae loan into his current Gov't loans as well.
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Posted 6/23/05 8:48 AM
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