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Consolidating student loans with credit card

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All types of federal student loans can be consolidated together except a Direct PLUS Loan that was taken out by a parent to help pay for a child’s education (student PLUS loans can still be consolidated).However, private loans can’t be included in a federal consolidation loan.Additionally, certain lenders only offer loans to those who have graduated or have completed a specific type of degree.Federal and private consolidation loans both have unique advantages and drawbacks – not one option is right for everyone.The basics of federal and private consolidation loans are outlined below.

A weighted average means that the loans with a higher balance influence the interest rate more than loans with a smaller balance – the overall impact of each old loan on the new interest rate is proportional to the comparative balance of that loan.

The interest rate is primarily determined by the lender’s evaluation of the borrower’s credit history.

However, some lenders also factor in the borrower’s current financial and professional circumstances.

Some lenders require that the borrower’s debt-to-income ratio be below a certain threshold.

Many lenders also factor in a borrower’s employment stability and prospects – they may even have minimum annual income requirements.