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The remainder of the application involves filling in basic personal information and providing names of two references who have known you for at least three years.

After you review, sign and submit your application, continue making payments on your existing federal loans until your application has been processed.

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If your loans are already with one of those servicers, you can stay or choose a new one.

There are major benefits and drawbacks of federal consolidation; it’s important to understand both because consolidation can’t be undone. Here’s how: Federal student loan consolidation is a logistical move you do through the Department of Education.

Federal student loan consolidation basics When you consolidate federal loans, the government pays them off and replaces them with a direct consolidation loan.

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You’re generally eligible once you graduate, leave school or drop below half-time enrollment.

Additionally, you’ll get a new loan term ranging from 10 to 30 years. These processes are often confused, but they’re very different. If you’re a parent with PLUS loans and you also have other federal student loans, you may want to consolidate your PLUS loans in a separate consolidation loan; consolidating them with your other federal loans will make that consolidation loan ineligible for all income-driven repayment plans except income-contingent repayment.

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You are my strength, my hope, my joy, and my ultimate reward.

If you marry without God revealing this as His perfect will to you, when storms come, and they will come, you will have questions: What if I had married another Christian.

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