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You can apply electronically or get a paper application.It also may lower your monthly payments by giving you as long as 30 years to repay.

By increasing your loan repayment period, you’ll have more payments to make and will end up paying more in interest.Now that you are facing the stress of dealing with the repayment of your student loans, you may want to opt for consolidation.Consolidating student loans can be tricky, and several factors need to be taken into consideration when making your decisions.These are just a few of the issues to keep in mind when students, or former students, are contemplating consolidation.Most graduates leave school with a number of different student loans, racked up throughout their years in college.