Hey guys. I'm sure this is a topic on a lot of our minds to say the very least.
I'm a recent graduate from the United States currently pondering how in the hell I'm to take my gargantuan debt and turn it into something manageable, but I have to plead some ignorance on the matter of consolidation. I assume many of you have been in this position and thus I figured here would be a good place to start to get some general facts and attitudes
As a priming question, will most consolidators allow me to defer my loans after the fact should I return to school?
Who are your loans with? For instance, I'm with Citibank and would consolidate with them, turning my 4 small loans into one large one. The problem is the interest rate will be much higher so I'm not doing that. Ask your lender about deferment.
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