Contact your school if you can't locate any records. Know Your Grace Period: Different loans have different .
A grace period is how long you can wait after leaving school before you have to make your first payment.
Student loans have a way of making you feel powerless.
But the truth is, you have more control than you think.
Whom do I contact if I have questions about consolidation?
There is no cap on the interest rate of a Direct Consolidation Loan.
Consolidating your federal loans through the Department of Education is free; steer clear of companies that charge fees to consolidate them for you.
For federal PLUS loans, you probably have access to a six-month deferment (see details here and here). Stay in Touch with Your Lender: Whenever you move or change your phone number or email address, tell your lender right away.
If you're having trouble finding a job or keeping up with your payments, there's important information here for you, too. Know Your Loans: It's important to keep track of the lender, balance, and repayment status for each of your student loans.
These details determine your options for loan repayment and forgiveness. You can log in and see the loan amounts, lender(s), and repayment status for all of your federal loans.
You may be contacted by private companies that offer to help you apply for a Direct Consolidation Loan, for a fee. There’s no need to pay anyone for assistance in getting a Direct Consolidation Loan. The fixed rate is the weighted average of the interest rates on the loans being consolidated, rounded up to the nearest one-eighth of one percent.
The loans that were consolidated are paid off and no longer exist.
If some of your loans aren't listed, they're probably private (non-federal) loans.