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FFELP lenders have limited leeway with the Federal Consolidation Loan; most offer their own perks through interest reductions and cash-back incentives.One thing you can do while in school is to pay interest on your Direct Unsubsidized or Direct PLUS loans while you are enrolled, which can amount to a substantial decrease in your overall loan once you graduate.We have created the most complete list of lenders currently willing to refinance student loan debt.We recommend you start here and check rates from the top 7 national lenders offering the best student loan refinance products.Like any form of debt, your goal with a student loan should be to pay as low an interest rate as possible.Other than a mortgage, you will likely never have a debt as large as your student loan.Since opportunities for applying for student loan consolidation while in school are now obsolete, the next best option you should look for are incentives given for grace period consolidation.Many FFELP lenders offer decent interest rate reductions for borrowers that consolidate during grace periods.
While options for in-school consolidations are now very limited, the process is much more simplified.Magnify Money is an advertising-supported comparison service which receives compensation from some of the financial providers whose offers appear on our site.This compensation from our advertising partners may impact how and where products appear on the site (including for example, the order in which they appear).Remember that, in general, you cannot consolidate private and federal loans.
Also, maintain a good credit score to be considered for better interest rates after school.
Some allow you to apply during your grace period and let you ride out the rest of the grace period.