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However, it may end up costing you more money in the long run.

Max Fay is a recent graduate from Florida State University's Communications School.

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Consolidation loans taken out before that date had a variable interest rate, determined by the individual FDLP loan origination center (e.g., in the case of a university, that university) or FFELP lender (e.g., a third party bank).By consolidating, you may lose some of the rights of your old loans, so ask which ones would no longer be applicable.A consolidation loan allows students to combine their federal student loans into one single loan, hence one monthly payment.The payment can be significantly lower since the repayment term will be longer.The worksheets can be in the same workbook as the master worksheet or in other workbooks.

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