Student Loans

A quick guide to college loan consolidation and where to find the best student consolidation loan rates.

It's no secret the gaining a college degree is not an inexpensive exercise. Fortunately, for those who chose to gain their degree through online colleges, the expense is only a fraction of those attending a physical campus.

For employed students, many corporate employee development and study programs provide some form of financial assistance.

But if you are going it alone, there are also a number of resources available to help get your through your studies with minimal financial constraint.

There are four main types of student loans:

Federal Student Loans - the largest source of education loans.

• Federal Stafford loans
• Federal Perkins loans
• Federal Parent PLUS loans
• Federal Graduate PLUS loans

Private Student Loans - loans to provide additional funding after you have maximized your federal loan eligibility. Private student loans are available both from your school or from private financial institutions.

Depending on the lender, private loan (alternative loan) terms can vary considerably based on your credit history.

Consolidated Loans - student loan consolidation refinances multiple loans into one new loan with a new repayment term, monthly payments, and interest rate. This may save you money, if you're already paying back student loans or are in your grace period.

International Student Loans - provide financial solutions for students seeking college and university degrees outside their home country. Each year over 190,000 Americans study abroad and over 550,000 international students come to the USA to study. Studying abroad often requires greater financial assistance for extra expenses such as travel, accommodations and materials.

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