Consolidation Loans allow you to pay off the balance of many loans and make only one payment a month. The repayment period of a Consolidation Loan is between 10 and 30 years.
For many, the most important benefit of the Consolidation loan is the fact that you can lower your monthly payments.
Consolidation Loans come in three types:
Equal Installment- the same payment over the total time of repayment
Graduated Repayment- the amount the payment increases every two to three years.
Income Based- monthly payments are tied to your income
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