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Federal student loans charge a 1% default fee, but charge no origination fees.Most private loans charge some type of either disbursement fee or origination fee, but these are usually negotiable and vary widely from lender to lender.
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The fee is sometimes called processing fees, administrative fees, or consolidation fees.
There are no circumstances in which you should have to pay money to get money.
Legitimate student loans, even from private lenders, do not require any fees up front.
Refinancing differs from consolidation in that rather than simply combining all your loans into one, you are actually taking out a separate loan with a new lender who pays off your existing loans.
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If there are any fees, they are deducted from the disbursement check or they are included in the repayment amount and are amortized over the repayment period.There are two common fees that will be paid with the loan, but once again, never up front.
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