Consolidate Nonfederal Student Loans | Case Study of Loan Consolidation

Case Study of Loan Consolidation

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A friend of mine had just found a great job in bioengineering. She had worked hard for four years to graduate from medical school and was quite pleased to have this job. However, it only took about a month weeks on the job for the letters from the banks that had funded her student loans to catch up with her. These letters announced it was time to start paying back the loans that had paid for her schooling.

My friend, Alvina, had four different loans, for four different amounts. Each loan payment was due on a different day and of the four, two where ten year loans and two were fifteen loans. Alvina was staggered to realize her total loan debt was $180,000.00. She was in constant worry that she would forget to make one payment or that one of the different due dates might fall between paychecks. When her car, that had so faithfully got her through law school wore out, Alvina went shopping for a good used vehicle. She was quite surprised that with the debt of her four student loans, her credit score was only 610. The only loans she qualified for were those with high interest rates. It didn’t take long for Alvina to realize that the loan payments she was making were equal to almost half of her total monthly income.

This left little for the car she desperately needed or for her apartment, food, and other necessities. Unfortunately, the position Alvina found herself in repeats itself over and over again as other college graduates find themselves chained to a debt that was intended to finance the future. One of the first things Alvina began to do, was take stock of her finances then diligently begin searching for advice to consolidate nonfederal student loans. She discovered many packages that allowed her to consolidate nonfederal student loans and was surprised to find that her monthly debt reduced by a third with a possible lowering of her interest rate. Although many financial institutions have consolidation packages, Alvina chose to go with an ACS package to consolidate nonfederal student loans. Within a week, she was approved and delighted to find the loan process relatively painless. After one year, Alvina’s credit score began to creep up and she was able to refinance her car at a lower interest rate. She was also able to qualify for consumer loans. The benefits of loan consolidation were positive for her. As with any business decision, loan consolidation should not be taken lightly. However, most students will find they save money over the long run and are able to boost their credit score. Every student should give priority to consolidating their student loans. It is the best way to save a significant amount of money. It is also one of the best ways to improve your credit score.

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