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“I have private student loans, are you able to help me find a way to consolidate to get a lower interest rate? “I see all these programs for federal loans, but what if you have private student loans with two different banks?Is it possible to consolidate and if it is, any organization you would suggest? Yes, there are options for private student loan consolidation but it’s a much different animal than federal student loan consolidation, and it’s crucial to understand how it works before going into it.The interest rate on a direct consolidation loan is based on the weighted average of the interest rates of the federal loans being consolidated, rounded up to the nearest one-eighth of 1 percent.If you’re looking to lower your interest rate on your federal student loans, see if your student loan servicer offers an interest rate reduction for enrolling in automatic payments. Private student loans cannot be included in a Direct consolidation loan for federal student loans, but you can consolidate private loans into a private consolidation loan. There are several private lenders who offer student loan refinancing, but the government does not offer refinancing to federal student loan borrowers.While you can refinance a federal student loan with a private student loan, doing so means you no longer have access to the benefits of federal student loans, including student loan forgiveness and federal student loan repayment plans.Interest rates on private consolidation loans are based on your credit score and are determined by the lender, as are fees and whether or not there are prepayment penalties for paying ahead on the loan.

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But it’s still a drop in the bucket compared with the number of lenders offering credit cards and mortgages, for example.Understanding Student Loans What Kinds of Student Loans Are There?Generally speaking there are two types of student loans: federal student loans and private student loans.Federal student loans are provided by the government and they come with a relatively low, fixed interest rate, along with a variety of government mandated protections, such as deferment options (deferment a period of time where you don't have to make payments and you won't accrue interest because of economic hardship).Private student loans, on the other hand, are administered by banks and other financial institutions, and the interest rates for these loans tend to be higher and they can be raised over time.

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