Issues arise concerned with consilidating departments

The bad news is that the federal government has extraordinary powers to collect student loans if you default.These powers, such as tax refund and federal benefits offsets, have no time limit.Subsidized loans can be no more than ,000 of this aggregate amount.The higher independent student limits also apply to dependent students whose parents are unable to borrow PLUS loans.

For example, you must be in the Direct Loan program to qualify for public service forgiveness.

Under the Direct Loan Consolidation Program, you can consolidate just about any type of federal student loan into a new Direct consolidation loan.

Loans that are not eligible for consolidation include state or private loans that are not federally guaranteed. The fixed rate is based on the weighted average of the interest rates on the loan at the time of consolidation, rounded up to the nearest one-eighth of a percentage point.

There are limits on the amount in subsidized and unsubsidized loans that you may be eligible to receive each academic year (annual loan limits) and the total amounts that you may borrow for undergraduate and graduate study (aggregate loan limits).

The actual loan amount you are eligible to receive each academic year may be less than the annual loan limit.

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