Consolidating sallie mae signature student loans

Your new consolidation loan gives you choices in repayment plans – you could switch to an income-based repayment plan, or the extended plan.

Also, when you consolidate, you'll need to re-apply for any interest rate deduction programs you were on.

This could also mean you won't qualify for student loan forgiveness programs such as PSLF. Consolidating your student loans could end up costing you more over the life of the loan if you forget a couple of things.

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