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Although you may select or be assigned a repayment plan when you first begin repaying your student loan, you can change repayment plans at any time—for free.Contact your loan servicer if you would like to discuss repayment plan options or change your repayment plan.Standard Repayment Plan with a 10-year repayment period is not a good option for those seeking Public Service Loan Forgiveness (PSLF).
Are you a parent who is still repaying student loans taken out to help your children finance their education?
While rising student loan debt totals are concerning for graduates, Parent PLUS loans can be troubling for those in their 40s and 50s trying to plan for retirement.
All credit inquiries made within a 30-day period count as one inquiry in the eyes of the credit bureaus.
Thankfully, most student loan refinance programs and Parent PLUS refinance programs don’t have fees associated with the loan, so you don’t need to worry about paying origination or application fees.
There are many Parent PLUS loan refinance programs being created in wake of the success private lenders have had with refinancing regular student loans.
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Keep an eye out for them in case you’re not eligible for these.Additionally, if you’re trying to retire sooner rather than later, extending your term might not be in your best interest.Ideally, you should find a lender willing to refinance your loan on similar terms with a lower interest rate.Your loans won’t be eligible for forgiveness under the various Federal student loan forgiveness programs.You’ll also lose out on the benefit of forbearance and deferment, which temporarily allows you to pause payments in the event you experience financial hardship.Private lenders don’t offer the same repayment assistance, though some lenders are more flexible than others.For example, you’ll no longer have access to different repayment plans, such as the Graduated, Extended Repayment Plan or Income-Contingent Repayment.Payments are lower at first and then increase, usually every two years, and are for an amount that will ensure your loans are paid off within 10 years (within 10 to 30 years for Consolidation Loans).If you have multiple federal student loans, you can consolidate them into a single Direct Consolidation Loan.You can get information about all of the federal student loans you have received and find the loan servicer for your loans by logging in to "My Federal Student Aid." Use the All borrowers are eligible for this plan.You’ll usually pay less over time than under other plans.