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Waiting until the last moment can be risky business, no matter what your profession. Besides adding stress to the situation, procrastinating can often lead to lost opportunities. When it comes to your current student loan portfolio, if you’re sitting on unconsolidated loans, procrastinating can turn out to be quite costly.
What happens to those who wait? Every July 1st, the government adjusts the rates on various federal student loans. Effective July 1 2006, the interest rate hikes are projected to be quite significant, as follows:
Stafford loans in grace: 6.7% (up from 4.70%)
Stafford loans in repayment: 7.3% (up from 5.30%)
PLUS loans: 8.10% (up from 6.10%)
As you can see, the interest rate for each type of loan is expected to jump by two full points. As a percentage of the current rates, however, the interest rate for a PLUS loan increases by almost 33% from their current levels, while the interest rate on Stafford loans in grace jumps by more than 40%.
Don’t forget that consolidation can take up to 90 days to complete. And unlike the April 15th deadline to file your tax returns with the IRS, there are no extensions or no second chances available. The rates available today will be gone the moment the clock strikes midnight on July 1. If your loan consolidation isn’t completed by July 1, you’ll miss out on the opportunity to lock in today’s low rates.
So don’t wait a moment longer, consolidate your student loans today by visiting:
www.StudentLoanConsolidator.com
Or speak with one of our expert loan counselors by calling toll-free (877) 328-1565. Don’t delay - apply immediately so that your loans are taken care of well before June 30.
Introducing StudentATM(Student Affiliate Tracking and Monitoring) - a new affiliate program developed by StudentLoanConsolidator.com. Affiliates can earn $100 per completed federal consolidation application with NO commission caps…here’s how it works:
We provide you, the affiliate, with a link to StudentLoanConsolidator.com. You post that link in your blogs, email signatures, on your myspace page, or even on your personal websites. The more links you post, the more borrowers apply, the more money you make - it’s that easy. You’ll be compensated $100 for qualified borrowers that return a completed application. We provide earnings reporting, useful marketing tips and tools, and payment through PayPal or check.
So start making money today by helping your friends, family and peers save with consolidation. To learn more about StudentATM, check out www.StudentATM.com
Or call the StudentATM affiliate manager Jon Rudy at 877-328-1565 x 206.
Everyday I get the same questions and emails - students and parents asking if consolidation really saves money and lowers payments…It does - no joke. No strings, no gimmicks, no fees, no bait and switch, it just saves money.
First of all, if you have federal student loans (the ones called Stafford, Perkins or PLUS) then you don’t have to worry about getting tied up in some dodgy consolidation program. Your loans are going to stay within that protective federal umbrella - which grants you deferments, forbearance, graduated, and income contingent repayment options. Second, all of your loans get combined into ONE low monthly payment - up to 60% lower then what you’re paying now. Not to mention that your variable interest rate gets locked, protecting it from the upcoming rate hike on July 1st.
On top of cutting your monthly payment in half, if you sign up for automatic checking account withdrawal, we can reduce your interest rate by .25% - immediately. Keep making that payment on-time for 36 months, and shave off another 1%.
So give us a call, talk with one of our expert loan counselors, and find out how much cash you can save - call 877.328.1565. Or check out our website and even apply online at: www.StudentLoanConsolidator.com.
Jon Rudy
Director of Consolidation
StudentLoanConsolidator.com
… uphill. I’m speaking of course of loan consolidation. Variable rate student loan interest rates are getting more expensive every day, based on current projections. At the current rate of increase, we might well see 5.25% as a T-Bill rate for Stafford Loans and PLUS loans by the time May rolls around.
http://www.StudentLoanConsolidator.com is the place to go to consolidate all your federal student loans, or call us at 877-328-1565.
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