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Consolidating medical school loans

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So if you want to try to have your Perkins loans forgiven, then consolidation is the only way.

Consolidation is also the only way to have Perkins loans included within an income-driven repayment plan, which would reduce the amount you pay monthly if you’re worried about cash flow problems (Perkins are normally put on their own separate 10-year repayment.).

When you get federal student loans from the government for medical school, you don’t just get one loan: you get at least one per year.

Back in the day when graduate students still received subsidized loans, many borrowers would receive three: one subsidized, one unsubsidized, and often a small “low-interest” (5%) Perkins loan.

In short, starting a consolidation when you finish medical school will do three things to save you money: The first benefit for DIRECT consolidation is that it can make more of your debt eligible for income-drive repayment (IDR) and public service loan forgiveness (PSLF).

Not all loans you can get for financial aid are eligible for PSLF, only DIRECT loans are: DIRECT loans are those provided “directly” by the federal government: Stafford (for older borrowers), DIRECT Subsidized (for undergrads only), DIRECT Unsubsidized (the most common med school loan), PLUS (higher interest rate for big borrowers), and DIRECT Consolidation.

The majority of these programs are authorized under Title IV of the Higher Education Act (HEA).

So you’ll probably lose one month out of the 6-month grace to the consolidation process. This assumes, of course, that you don’t have a low-debt/high-income mismatch and will be receiving one in the first place.

But by consolidating early and applying for your repayment plan before you start your intern year, you By the federal government’s own rules (see #46), you don’t have to update the servicers with new income numbers if your income changes before the annual income recertification, so once you have

So you’ll probably lose one month out of the 6-month grace to the consolidation process. This assumes, of course, that you don’t have a low-debt/high-income mismatch and will be receiving one in the first place.

But by consolidating early and applying for your repayment plan before you start your intern year, you By the federal government’s own rules (see #46), you don’t have to update the servicers with new income numbers if your income changes before the annual income recertification, so once you have

So you’ll probably lose one month out of the 6-month grace to the consolidation process. This assumes, of course, that you don’t have a low-debt/high-income mismatch and will be receiving one in the first place.

But by consolidating early and applying for your repayment plan before you start your intern year, you By the federal government’s own rules (see #46), you don’t have to update the servicers with new income numbers if your income changes before the annual income recertification, so once you have [[

So you’ll probably lose one month out of the 6-month grace to the consolidation process. This assumes, of course, that you don’t have a low-debt/high-income mismatch and will be receiving one in the first place.

But by consolidating early and applying for your repayment plan before you start your intern year, you By the federal government’s own rules (see #46), you don’t have to update the servicers with new income numbers if your income changes before the annual income recertification, so once you have $0/month payments for the year, you’re safe until the following year. As an example, the standard 10-year repayment on that $200k loan is $2302/month.

If you were able to start repayment in July instead of November, those 4 months at $0 instead of $2302 could save you $9,208 when it comes time to file for PSLF.

Now, in practice, holding on to multiple loans doesn’t really affect your daily life much.

Your federal loan servicer (the company that takes your payments) will apply your payments automatically across all of your DIRECT loans for you (your Perkins loans, if you have any, will be due separately from the rest).

||

So you’ll probably lose one month out of the 6-month grace to the consolidation process. This assumes, of course, that you don’t have a low-debt/high-income mismatch and will be receiving one in the first place.But by consolidating early and applying for your repayment plan before you start your intern year, you By the federal government’s own rules (see #46), you don’t have to update the servicers with new income numbers if your income changes before the annual income recertification, so once you have $0/month payments for the year, you’re safe until the following year. As an example, the standard 10-year repayment on that $200k loan is $2302/month.If you were able to start repayment in July instead of November, those 4 months at $0 instead of $2302 could save you $9,208 when it comes time to file for PSLF.Now, in practice, holding on to multiple loans doesn’t really affect your daily life much.Your federal loan servicer (the company that takes your payments) will apply your payments automatically across all of your DIRECT loans for you (your Perkins loans, if you have any, will be due separately from the rest).Consolidating your federal loans into a DIRECT Consolidation from the federal government (as opposed to private refinancing, discussed here) does make things look nice and tidy in that you’ll now have a single loan with a weighted-average interest rate based on the rates of the individual loans it replaced, but this paperwork trick isn’t particularly meaningful in and of itself. In fact, a slight rounding change could give you a trivially higher rate (it’s rounded up to the nearest one-eighth of 1%).

]]/month payments for the year, you’re safe until the following year. As an example, the standard 10-year repayment on that 0k loan is 02/month.

If you were able to start repayment in July instead of November, those 4 months at [[

So you’ll probably lose one month out of the 6-month grace to the consolidation process. This assumes, of course, that you don’t have a low-debt/high-income mismatch and will be receiving one in the first place.

But by consolidating early and applying for your repayment plan before you start your intern year, you By the federal government’s own rules (see #46), you don’t have to update the servicers with new income numbers if your income changes before the annual income recertification, so once you have $0/month payments for the year, you’re safe until the following year. As an example, the standard 10-year repayment on that $200k loan is $2302/month.

If you were able to start repayment in July instead of November, those 4 months at $0 instead of $2302 could save you $9,208 when it comes time to file for PSLF.

Now, in practice, holding on to multiple loans doesn’t really affect your daily life much.

Your federal loan servicer (the company that takes your payments) will apply your payments automatically across all of your DIRECT loans for you (your Perkins loans, if you have any, will be due separately from the rest).

||

So you’ll probably lose one month out of the 6-month grace to the consolidation process. This assumes, of course, that you don’t have a low-debt/high-income mismatch and will be receiving one in the first place.But by consolidating early and applying for your repayment plan before you start your intern year, you By the federal government’s own rules (see #46), you don’t have to update the servicers with new income numbers if your income changes before the annual income recertification, so once you have $0/month payments for the year, you’re safe until the following year. As an example, the standard 10-year repayment on that $200k loan is $2302/month.If you were able to start repayment in July instead of November, those 4 months at $0 instead of $2302 could save you $9,208 when it comes time to file for PSLF.Now, in practice, holding on to multiple loans doesn’t really affect your daily life much.Your federal loan servicer (the company that takes your payments) will apply your payments automatically across all of your DIRECT loans for you (your Perkins loans, if you have any, will be due separately from the rest).Consolidating your federal loans into a DIRECT Consolidation from the federal government (as opposed to private refinancing, discussed here) does make things look nice and tidy in that you’ll now have a single loan with a weighted-average interest rate based on the rates of the individual loans it replaced, but this paperwork trick isn’t particularly meaningful in and of itself. In fact, a slight rounding change could give you a trivially higher rate (it’s rounded up to the nearest one-eighth of 1%).

]] instead of 02 could save you ,208 when it comes time to file for PSLF.

Now, in practice, holding on to multiple loans doesn’t really affect your daily life much.

Your federal loan servicer (the company that takes your payments) will apply your payments automatically across all of your DIRECT loans for you (your Perkins loans, if you have any, will be due separately from the rest).

/month payments for the year, you’re safe until the following year. As an example, the standard 10-year repayment on that 0k loan is 02/month.

If you were able to start repayment in July instead of November, those 4 months at [[

So you’ll probably lose one month out of the 6-month grace to the consolidation process. This assumes, of course, that you don’t have a low-debt/high-income mismatch and will be receiving one in the first place.

But by consolidating early and applying for your repayment plan before you start your intern year, you By the federal government’s own rules (see #46), you don’t have to update the servicers with new income numbers if your income changes before the annual income recertification, so once you have $0/month payments for the year, you’re safe until the following year. As an example, the standard 10-year repayment on that $200k loan is $2302/month.

If you were able to start repayment in July instead of November, those 4 months at $0 instead of $2302 could save you $9,208 when it comes time to file for PSLF.

Now, in practice, holding on to multiple loans doesn’t really affect your daily life much.

Your federal loan servicer (the company that takes your payments) will apply your payments automatically across all of your DIRECT loans for you (your Perkins loans, if you have any, will be due separately from the rest).

||

So you’ll probably lose one month out of the 6-month grace to the consolidation process. This assumes, of course, that you don’t have a low-debt/high-income mismatch and will be receiving one in the first place.But by consolidating early and applying for your repayment plan before you start your intern year, you By the federal government’s own rules (see #46), you don’t have to update the servicers with new income numbers if your income changes before the annual income recertification, so once you have $0/month payments for the year, you’re safe until the following year. As an example, the standard 10-year repayment on that $200k loan is $2302/month.If you were able to start repayment in July instead of November, those 4 months at $0 instead of $2302 could save you $9,208 when it comes time to file for PSLF.Now, in practice, holding on to multiple loans doesn’t really affect your daily life much.Your federal loan servicer (the company that takes your payments) will apply your payments automatically across all of your DIRECT loans for you (your Perkins loans, if you have any, will be due separately from the rest).Consolidating your federal loans into a DIRECT Consolidation from the federal government (as opposed to private refinancing, discussed here) does make things look nice and tidy in that you’ll now have a single loan with a weighted-average interest rate based on the rates of the individual loans it replaced, but this paperwork trick isn’t particularly meaningful in and of itself. In fact, a slight rounding change could give you a trivially higher rate (it’s rounded up to the nearest one-eighth of 1%).

]] instead of 02 could save you ,208 when it comes time to file for PSLF.

Now, in practice, holding on to multiple loans doesn’t really affect your daily life much.

Your federal loan servicer (the company that takes your payments) will apply your payments automatically across all of your DIRECT loans for you (your Perkins loans, if you have any, will be due separately from the rest).

/month payments for the year, you’re safe until the following year. As an example, the standard 10-year repayment on that 0k loan is 02/month.

If you were able to start repayment in July instead of November, those 4 months at [[

So you’ll probably lose one month out of the 6-month grace to the consolidation process. This assumes, of course, that you don’t have a low-debt/high-income mismatch and will be receiving one in the first place.

But by consolidating early and applying for your repayment plan before you start your intern year, you By the federal government’s own rules (see #46), you don’t have to update the servicers with new income numbers if your income changes before the annual income recertification, so once you have $0/month payments for the year, you’re safe until the following year. As an example, the standard 10-year repayment on that $200k loan is $2302/month.

If you were able to start repayment in July instead of November, those 4 months at $0 instead of $2302 could save you $9,208 when it comes time to file for PSLF.

Now, in practice, holding on to multiple loans doesn’t really affect your daily life much.

Your federal loan servicer (the company that takes your payments) will apply your payments automatically across all of your DIRECT loans for you (your Perkins loans, if you have any, will be due separately from the rest).

||

So you’ll probably lose one month out of the 6-month grace to the consolidation process. This assumes, of course, that you don’t have a low-debt/high-income mismatch and will be receiving one in the first place.But by consolidating early and applying for your repayment plan before you start your intern year, you By the federal government’s own rules (see #46), you don’t have to update the servicers with new income numbers if your income changes before the annual income recertification, so once you have $0/month payments for the year, you’re safe until the following year. As an example, the standard 10-year repayment on that $200k loan is $2302/month.If you were able to start repayment in July instead of November, those 4 months at $0 instead of $2302 could save you $9,208 when it comes time to file for PSLF.Now, in practice, holding on to multiple loans doesn’t really affect your daily life much.Your federal loan servicer (the company that takes your payments) will apply your payments automatically across all of your DIRECT loans for you (your Perkins loans, if you have any, will be due separately from the rest).Consolidating your federal loans into a DIRECT Consolidation from the federal government (as opposed to private refinancing, discussed here) does make things look nice and tidy in that you’ll now have a single loan with a weighted-average interest rate based on the rates of the individual loans it replaced, but this paperwork trick isn’t particularly meaningful in and of itself. In fact, a slight rounding change could give you a trivially higher rate (it’s rounded up to the nearest one-eighth of 1%).

]] instead of 02 could save you ,208 when it comes time to file for PSLF.

Now, in practice, holding on to multiple loans doesn’t really affect your daily life much.

Your federal loan servicer (the company that takes your payments) will apply your payments automatically across all of your DIRECT loans for you (your Perkins loans, if you have any, will be due separately from the rest).