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Anyone have experience consolidating student loans through a credit union?
Posted on 6/11/14 at 10:11 am
Posted on 6/11/14 at 10:11 am
The interest rates from fedloan and salliemae are between 6.5% and 9.25% and I feel like there's got to be a way to get a lower rate. I've got pretty good credit and am in the housing market as a first time buyer. Since the fedloan separates the loans into several different categories, it's showing that I have debt owed to several places. My lender seems to think it would help me to consolidate these payments.
Thanks in advance.
Thanks in advance.
Posted on 6/11/14 at 10:33 am to Redfish2010
search the board for sofi.com. a few people (myself included) have used it now. i'm very satisfied with my results. consolidated >$70k at 4.4%.
eta: if you use them, feel free to use this link. we would both get money back if you refinance with them. LINK
eta: if you use them, feel free to use this link. we would both get money back if you refinance with them. LINK
This post was edited on 6/11/14 at 10:35 am
Posted on 7/7/14 at 11:55 am to Redfish2010
Unless the private rate is significantly better I would keep the Fedloans with the government, if only for how flexible they are on repayment terms, forbearance, deferments, forgiveness, etc. Not saying you will ever need it, but it's nice to know it's an option if the worst happens.
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