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Student Accounting Hours
Effective December 1, 2009 Student Accounting service hours will be 10:00 a.m. to 4:00 p.m., Monday thru Friday.

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Loan Consolidation Information

Considerations

Keep in mind that consolidation is your individual choice. It is your responsibility as the loan borrower to research and understand the rights and responsibilities of the loan you will be taking on. Below are some questions to help you decide if consolidation and the lender are right for you:

How does consolidation benefit me?
If I go back to school, can I get a student deferment?
Can I consolidate just one loan? What benefits will I lose if I consolidate?
What will happen to any additional loans that I receive after I consolidate?
If I earn interest rate reductions (rebates), will they be transferred to a new lender if my loan gets sold?
What would my consolidation interest rate be? Can I refinance if I get more loans?
What additional interest rate reduction incentives do you offer?
Are there any costs or fees to consolidate with this particular consolidation servicer?
Will consolidation keep me from getting additional financial aid?
How long will it take to process my consolidation paperwork? When should I turn in my consolidation application?
Will I be penalized for paying off early or making more than the minimum payment?

Although consolidating your loans can simply your life by lowering your monthly payments, it can also significantly increase the total amount paid back due to longer repayment term. Once you have consolidated, it cannot be undone since the new lender will have paid off your prior loan balances to start repayment with them.

By consolidating, you may lose some of the rights of your old loans, so ask which ones would no longer be applicable.