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Also, you might lose eligibility for certain cancellation or forgiveness programs, especially if you are including Perkins Loans in the Consolidation.(In either case, check with your lender.) More Interest Paid With a longer repayment period, you'll pay more interest over the life of the loan.

Do you just need a small advance against your pay to tide you over?

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The Federal Student Loan Consolidation Program is a very commonly used management tool for your student loan debts.

If you just want to reduce your monthly payment, discuss the federal loan repayment options available with your lender.

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