Advantages consolidating students loans
» MORE: The good and bad of home equity loans Pros: Back to top If you have an employer-sponsored retirement account, it’s not advisable to take a loan from it, since doing so can significantly impact your retirement.
However, if you’ve ruled out balance transfer cards and other types of loans, this may be an option for you.
Most will give you an estimated rate without a “hard inquiry” on your credit, unlike many banks and credit unions.
For online lenders, the lowest rates go to those with the best credit; rates top out at 36%.
You’ll need a good to excellent credit score — above 690 — to qualify for most cards.
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Since both types of loans are secured by your house, you could lose it if you don’t keep up with payments.
» MORE: Pre-qualify on Nerd Wallet and get a personalized rate Pros: Back to top If you’re a homeowner, you can take out a loan or line of credit on the equity in your home.
A home equity loan is a lump sum loan with a fixed interest rate, while a line of credit works like a credit card with a variable interest rate.
If consolidation would cause you to lose the benefits associated with some of your current loans and you are working toward earning those benefits, you should not include those loans in your new Direct Consolidation Loan.
Whom do I contact if I have questions about consolidation?One benefit is that this loan won’t show up on your credit report.
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