http://www.federal-student-loan-consolidation.org/student-loans/consolidate-graduate-student-loans.html Consolidate graduate student loans and conquer your exorbitant cost of living! When you consolidate graduate student loans, you'll immediately qualify for a reduced fixed rate! en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 Tough economic times got you down? We commiserate. We keep hearing how the economy is supposedly improving, yet we are seeing little evidence of this. We have a suggestion for those of you who are trying to downgrade your lifestyle. One place you can save is in the are of student loans. Are you an academic who has borrowed heavy and borrowed often? Help is on the way. Not only can you consolidate your undergraduate debt, you can also consolidate graduate student loans. If you do, you'll lock in a fixed rate. Currently, we're enjoying rates that are at an all time low - take advantage of this to lock in this spectacularly low rate because it won't last. You may enjoy a rate as low as 2.875 and one that won't go any higher than 4.25. When you consolidate student loans, the rate is determined according to the weighted average of all of your existing loans. Qualifying is easy. It's not difficult to qualify for our consolidate graduate student loans (and others) repayment program. There will be no credit checks, no need for any sources of collateral, no income verification and unlike other loans, there is no family income ceiling. How could we enforce such a thing when the majority of our applicant are just starting their careers or not far into them yet. Of course, once you climb the rungs of the ladder, you can always pay more or recalculate your payment schedule accordingly. We are happy to offer much flexibility in the terms of repayment and we are often quite gracious and compassionate in hearing what specific modifications you may need to make at a moments notice to the terms of your consolidate graduate student loan debt program. In a world of impermanence. Because life changes instantly. We know this. Nothing stays the same. This is why we have designed the consolidate federal student loans program to honor the demand for flexibility. You can apply during your grace period and keep your reduced rate, without penalty. You will still have the exact same rights to forbearance and deferment under your federal consolidation; you simply need to make arrangements with the servicer of your consolidate graduate student loans program. In fact, everything stays the same. The only thing that will change is that you will have only one payment to make, instead of several, each month and the amount paid will be subject to a reduced fixed rate. When you consolidate graduate student loans, you need not make a monthly payment until anywhere from two weeks to a month and a half later. You may be eligible for some of the interest being classified as tax deductible (a tax professional will have this answer) and you'll watch your debt to income ratio shrink - shrink - shrink. This is because with your lowered rate, more of your payment is going toward the principal balance - this is the amount borrowed before any extraneous charges were tacked on! Not a bad deal. Pay off your loans quicker when you consolidate graduate student loans -and all others. Sat, 26 Jul 2008 15:00:00 EDT