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Student-loan consolidation rules may have economic effects

Consolidating student loans has traditionally been a safety net to lenders and a measure of convenience to borrowers. But with interest rates at an all-time low, some believe the current policy under which student loans are consolidated will have long-term economic consequences.

A new study has found that the current policies of the Student Loan Consolidation Program may result in long-term inequities among borrowers and increased costs to taxpayers if not reformed.

While the interest rates on loans vary while a student is still in school or before he or she chooses to consolidate, under the Student Loan Consolidation Program, once a student does consolidate that loan it is locked in at an interest rate that remains fixed for the life of the loan.

Some believe this policy should be changed so that the interest rates students pay vary with the economy.

According to the report "The Fiscal and Social Costs of Consolidating Student Loans at Fixed Interest Rates," this results in some people paying higher interest rates than others, depending on what year they consolidated their loan.

The report states while an individual who consolidated his or her loans in 2000 pays an annual interest rate of 8.25 percent, someone consolidating loans now will pay an annual interest rate of 3.5 percent.

This means a person consolidating a $22,000 loan now will pay $14,000 less in interest than someone who consolidated the same amount three years ago.

Because only federal loans that fall under the Federal Direct Loan Program and the Federal Family Education Loan Program are eligible for fixed interest-rate consolidation, taxpayers play a major role in the payment of interest.

With consolidation increasing the lifespan of a student loan from the average of 10 years to 30 years, and the number of consolidations increasing due to low interest rates, authors of the report maintain that taxpayers will pay an estimated $14 billion in interest on existing loans and $21 billion on loans consolidated between 2005 and 2011. An estimated 65 percent of college students have federal student loans.

However, with the reauthorization of the Higher Education Act scheduled for this year, there is a possibility that students may no longer be able to consolidate loans at fixed interest rates.

Dan Mann, director of financial aid, said while he believes loan consolidation is an advantage to students, the real advantage lies not with the technicalities of fixed and variable rates, but with the interest rate itself.

According to Mann, if interest rates increase in the future, then it is at the advantage of the student to be locked in at a fixed interest rate, but if rates continue to drop, then it would be at the advantage of students to be in a variable interest rate.

Mann said he is personally in favor of anything that saves the student money.

"I support things that help students or help reduce costs," he said. "Some options in place through the program are beneficial to students. I would hate to see those benefits go away."

why consolidate your loan?

Student Loans Got You In The Pocket!

Of course they do,

"If you have high interest rates,debt, and can't afford to pay other monthly expenses!"
Did you know that federal government loans must be repaid within 10 years? Which means "You don’t have much time!"

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Student loans of North Dakota

Student Loans of North Dakota (SLND) is administered by Bank of North Dakota (BND) and offers a variety of loan programs to help students and parents finance a collegeeducation. SLND's College Information Service (CIS) provides a centralized source of free information about various colleges, the admissions process, and understanding financial aid.

more information about student loans

With the rising cost of higher education it can be difficult for students and parents to meet the expenses related to a college education. Even though competition for grants and scholarships is increasing, there are other funding alternative available for students seeking a college education.
Government Student Loans and Government Student Loans-Discover options available, including Perkins Loans, Stafford Loans and more.
Private Student Loans
When federal student loans do not meet all of your needs, private student loans can help to bridge the gap.
Bad Credit Student Loans
Bad credit doesn't have to stop you from pursuing your dream of a college education. Find out which options are available to you.
No Credit Check Student Loans
Concerned about the effect your credit might have on a student loan application? Find out which student loans require no credit check.
Student Loan Forgiveness
You may be eligible to have a portion or even all of your student loan debt cancelled or forgiven. Find out how.
Rehabilitation
Have your student loans gone into default? Find out how rehabilitation can assist you in getting back on track and out of default.
Stafford Loan
The Stafford Loan program provides opportunities for students who want to pursue a college education. Need and credit based programs
Parent PLUS Loan
Designed for parents who need additional assistance in meeting the expenses related to college.
Graduate Student Loans
The Grad PLUS loan allows graduate students to meet the costs of their own education through a program similar to the Parent PLUS loan.
Student loan consolidation offers a variety of advantages for both parents and students after loan repayment has begun.
Student Loan Companies and Lenders
Let us help you find the right lenders to meet your unique needs.
Consolidate Student Loans
Is now the right time for you to consolidate your student loans? Find out.
Credit Repair
Defaulting on student loans can have a serious impact on your credit report and score. Find out what steps you can take to repair your credit.
Student Loan Default
Have your loans gone into default? Options are available. Find out what you can do.
Student Loan Calculators
If you're wondering how much money you can save through consolidation, how much money you will owe on your student loans, or what your monthly student loan payments will be, we can help you quickly crunch the numbers with our student loan calculators.
Information for Parents
Find out what kinds of financing options are available for you to help fund your child's college education
Information for Students
Looking for ways to fund your college education on your own? We can help you sort through all the information and discover the advantages of each type of student loan.
Information for Graduate Students
Need additional assistance in meeting the expenses of your graduate education? We can answer your questions and point you in the right direction for funding sources.
Student Loan Refinancing
Struggling to meet your monthly student loan payments? Student loan refinancing might be the right choice for you.
Sallie Mae Student Loans
Find out what you need to know about the largest source of student loans.
Citibank Student Loans
Considering alternative private loans? Citibank Student loans offers a variety of choices to consider.
Direct Student Loans
Find out what you need to know about Direct student loans and how they can help fund your college education.