One of the biggest myths when it comes to student loans is whether you can combine your Federal and private student loans. Well, since the middle of 2014, you can actually refinance and consolidate both your Federal and private student loans into a single loan with many private lenders.
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There’s no hard and fast rule, but if you’re not going to use the benefits that come with federal loans, you could opt for private loans to save money on interest payments through refinancing.(And, contrary to popular belief, there are no penalties for prepaying your student loans with a reputable private lender.) Additionally, by refinancing with certain private lenders, like Common Bond, you may be able to transfer your Parent PLUS loan to your child. Leave your questions in the comments – we’d love to hear from you.Parent PLUS loans are eligible for income-contingent repayment if you consolidate them into a Federal Direct Consolidation Loan.This feature could help keep your monthly payments low but means that you’re still accruing interest at your current rate.
At Common Bond, for example, our fixed rates start at 3.74% APR (with autopay) and variable rates start at 1.94% APR (with autopay). If you’re repaying several Parent PLUS loans, refinancing can save you the hassle of juggling many bills.Depending on your loan balance, dropping your rate by even one percentage point could save you thousands. You can refinance and consolidate these student loans through one lender, giving you just one loan with one low interest rate to repay each month.
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