Consolidating a private loan with a federal loan dating waiver

After graduating from college many people are left with student debts.These debts can be anything from loans to credit cards.The Federal Government metes out funds directly to colleges and universities for some campus-based aid programs; including Perkins Loans.Individual colleges evaluate your financial aid needs based on information you submit to the government.

Keep in mind that extending your repayment term may increase the amount of interest you pay over the life of the loan.Families with annual incomes below ,000 usually qualify for Perkins Loans.And If you qualify for a Pell Grant, which is also awarded based on financial need, then you are probably also a priority candidate for a Perkins Loan.This page explains the student loan bankruptcy discharge process in detail, walking you through the different types of Bankruptcies (Chapter 7 vs.Chapter 13), explaining what an “undue hardship” test entails, and offering advice on how to figure out if you have a real chance at getting approved to have your loans discharged.

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