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Private Loans By Graduate School Loans Graduate School Private Loan Consolidation with Graduate School Loans Consolidating your private educational with Graduate School means merging outstanding private education into one loan, including private used to cover residency expenses and/or other educational expenses. This is in addition to already consolidated private educational loans. Consolidating your private educational with Graduate School allows you to significantly lower your monthly payment by lengthening the term of your loans, while receiving a low variable interest rate. This is possible even if your private graduate school are of different types or held by more than one lender.
Eligibility You are eligible to consolidate your private education with Graduate School if you meet the following criteria:
* Be at least eighteen years old at the time of application * Have a minimum of $10,000 in US issued private educational loans * Are in repayment status of private education at the time of application * Have good credit standing * Are a US citizen or permanent resident (eligible non US citizen)
Benefits With Graduate School Loans, there are several benefits in consolidating your private educational loans.
* Graduate School offers borrower benefits, such as an interest rate reduction of .25% when you sign up using auto-debit to repay your loan * Simple repayment terms * Low, variable interest rate * No prepayment penalties * Convenience of one low monthly payment to one lender versus the hassle of sending various bills monthly * Graduate School offers personalized and friendly customer service. With Graduate School you work with one loan consultant throughout the process of consolidating your private educational loans.
Process The process of consolidating your private educational is made simple and fast with Graduate School Loans.
* Applicants receive an instant credit decision, origination fees, interest rate and borrower benefit information * Receive a Master Promissory Note (MPN) via USPS. Just sign and return within 90 days, at which point you will be updated with your loan approval, repayment information and options. * Sign up for auto-debit in order to receive an immediate interest rate reduction of .25%
Payment Options
* After consolidating your private educational with Graduate School Loans, you will start immediate repayment, generally beginning 20 days after finishing your application. * The repayment term is a maximum 30 year plan, regardless of private consolidation balance. You may choose one of several repayment options for your private loan consolidation with Graduate School Loans,
and there is NO penalty for early repayment
o Equal Payments: Standard payments are made according to principal and interest over a 30 year term. This equal payment option allows equal monthly payments over the life of the loan o Select 2/Graduated Payments: Allows for interest-only payments for the first two year of repayment. Beginning the third year, payments increase to level installments of principal and interest payments for the remaining life of the loan. o Select 5/Graduated Payments: Allows for interest-only payment for the first two years of repayment. During the third through fifth year, payments increase to include a portion of principal. Beginning the sixth year, payments increase to level investments of principal and interest payments for the remaining life of the loan
Tax Benefits Consolidate your private education with Graduate School and take advantage of tax benefits
* By way of the Taxpayer Relief Act of 1997, the Government now permits individuals to deduct the interest paid on taken out to attend eligible educational institutions * Ability to deduct up to $2,500 in student loan interest. Taken as an adjustment to income, allowing the deduction regardless if you itemize deductions on Schedule A of your 1040. * Deductions phased out for taxpayers with adjusted gross incomes of $50,000 to $65,000 [single filers] and $100,000 to $130,000 [married filing jointly]. Taxpayers who are married but file separate returns are not eligible.
Deferment and Forbearance
* In-school, Military, Internship and Residency Forbearances are available to qualifying borrowers with Graduate School Loans. * Deferment options do not exist at this time with Graduate School Loans.
Apply for a Graduate School Private Loan Consolidation in just a few easy steps.
Apply NOW online
Apply by Phone-Contact us at (800) 680-7195 for a quick pre-approval!
