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Be consolidating

If your Perkins Loans already carry low rates, Be consolidating may not benefit you to consolidate. Students with multiple federal loans are increasingly concerned about how they will meet repayment obligations after graduation. It should be noted, however, that extending repayment terms also adds more total interest to the loan, over its entire lifetime.

Consolidating - definition of consolidating by The Free Dictionary

Another consolidation benefit realized by students having difficulty keeping up with student loan payments, is restructured repayment. It is important to recognize your current rates, and compare them to potentially lower consolidation options. Once you consolidate through the Direct Federal Loan Program you lose the grace period provided with your Perkins Loan, which is nine months — compared to the six month periods for other loans, like Stafford.