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Learn more about when to consolidate and refinance federal and private loans.

Consolidating your student loans can not only simplify your finances by allowing you to make just one payment each month, but it can also lower your monthly payment by lengthening your repayment term.

If you have your eye on Perkins financing, the keys to winning a loan are filing early and meeting federal financial aid eligibility requirements.

The Federal Government metes out funds directly to colleges and universities for some campus-based aid programs; including Perkins Loans.

First of all you don't need to leave your house and you can still get your instant payday loan.

Secondly when applying for a payday loan online, you don't need to provide any documents.

We also protect your information with 256-bit secure SSL encryption technology so you can rest assured we are concerned about your privacy.

After your information has been submitted, you can receive an offer from one of the lenders in our network.

You will need to apply for a consolidation loan with a private lender, which could be Sallie Mae or a different lender.

The first type of loan is the private student loan from Sallie Mae.

This is not a Stafford Loan from the federal government, but rather a loan that you got from Sallie Mae on your own initiative.

Please take the time to review the offer carefully — including all of the costs and terms — before making your final decision.

After you have made your decision, you will need to provide your electronic signature which will enter you into a contract with your lender.

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