Talk:Federal student loan consolidation

"College Consolidation Loan" is not the name in wide use. This page seems spammy with that name. (unsigned)

Merger

 * Agree that the other page should be merged into this one. This title is far more descriptive and more likely to be something someone would search for. PubliusFL 23:45, 15 February 2007 (UTC)
 * Apart from the external links, I don't see any actual prose content that requires merging in from College Consolidation Loan. Just a redirect would suffice. Uncle G 23:48, 15 February 2007 (UTC)
 * Works for me. PubliusFL 00:07, 16 February 2007 (UTC)

Please add
It would be nice if someone would add a section explaining why the lenders are so godawful eager to get you to consolidate. I get an offer in the mail almost every day. What's in it for them?
 * For the same reason all those credit card companies are so eager to give you credit cards. They get to buy your loans and make you pay them money.  Also, every time loans get consolidated, they get to round the interest rate up.  And presumably older people are less of an investment risk than the students who the money was originally loaned to.  Plus, they're actually paying off the loans, unlike said students. -Semisomna 22:08, 28 March 2007 (UTC)
 * Also for the third-party lenders, if a student goes default on their loans or consolidation, the third-party sells the loans back to the government, hence why its "federally backed". No risk for the lenders, but as a result the interest rates are set by the government in a t-9 bill and updated every July 1st. DeathscytheH64 22:48, 30 April 2007 (UTC)

Yeah, there are a lot of shady lenders out there. Please also add a list of reasons why students shouldn't consolidate. This link provides the pros and cons of student loan consolidation - which might be helpful for anyone writing content for this page: http://studenthacks.org/about/student-loan-consolidations/loan-101/ Hechung (talk) 14:59, 21 November 2007 (UTC)

External links modified
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