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You’re generally eligible once you graduate, leave school or drop below half-time enrollment.Consolidating your federal loans through the Department of Education is free; steer clear of companies that charge fees to consolidate them for you.Use the following links to download and install the appropriate browser.Supported browsers: The latest release for Microsoft Internet Explorer, Google Chrome, Apple Safari, and Mozilla Firefox.Parents and grad students who borrowed PLUS loans for the 2016-17 school year pay 6.31% in interest, compared to 3.76% on direct loans for undergrads.Historical PLUS interest rates are even higher: Parents who borrowed between 20 pay 7.9%.Additionally, you’ll get a new loan term ranging from 10 to 30 years.

Note: To identify the browser currently running on your computer, use the "Help" menu item on your browser and select "About [your browser name here]".When you consolidate federal loans, your new fixed interest rate will be the weighted average of your previous rates, rounded up to the next ⅛ of 1%.So, for instance: If the average comes to 6.15%, your new interest rate will be 6.25%.Loans that are not eligible for consolidation include state or private loans that are not federally guaranteed.Although all of these different loans may be consolidated, you must have at least one outstanding FFEL or Direct Loan to obtain a Direct Consolidation Loan.




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