Shopping around and comparing the different repayment plans from various lenders is always a good idea because terms and rates vary between lenders and doing the research may mean a better deal.

Interest rates are down from July 2009 and those who hold federal loans with a variable interest rate will find themselves in a good position to consolidate. The rate decrease will not effect everyone, however.

Student Loan Payment Options

Standard Plan: Fixed monthly payments for up to 10 years.

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