Student Loan Consolidation share your tips experiences & help me choose

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Please share your experiences about taking student loans & as I already have taken so many loans how can I benefit by consolidating. All I could understand about student loan consolidation I've listed below but I'd highly appreciate if you all reply & share more from your experience. I want to understand what clauses to be cautious about. Who are the better providers. What small prints we need to be aware of. What to expect & what to save ourselves from. Everyone would like to study higher and have a great college education as it will pave the way for a bright career. Since the cost of education has become very high, the need for taking a student loan has become essential for many. Luckily for you there are several loan programs which you could take to finance your studies. Though taking a student loan may be a good option, in case you find it very difficult to repay and land in deep debt, then it becomes very difficult. A student loan is definitely a big commitment that you make at a young age. Hence before opting for any student loan, discuss with your parents. Together with them jot down a plan and make sure to work out your plan well and stick to it. By doing this you will have a continuous motivation to pay back your student loan in time without delays and unnecessary headaches. To plan for your student loan you can take hints from the below mentioned points. Consider this as your very first project, as a student loan thesis. If you have a good strategy in place you will definitely repay in time. Firstly do considerable research on the subject. With a handy tool as the internet you will be able to compare and contrast several loan consolidation programs. Go through each one carefully and do a thorough study. You may get in touch with the various agencies. Do understand that all student loan consolidation programs are not the same. Do not just go through one and decide but make an effort to get a good deal. The next thing to keep in mind is have regular correspondence with your borrower. You must make sure that you check every mail or email that you receive. You may find that they have changed certain terms and conditions which are either not to your advantage or probably there is some good news in the mail. The third thing you should do is keep a file of all your correspondences and documents. This is very important so handle them carefully and remember where you kept them. In case you are careless, you may actually forget your commitments. You need to have a look at them now and then and keep hem neatly till you have repaid your debts. Fourthly make sure to attend all the student loan counseling sessions. Generally there are two sessions. The first one is done when you take the loan and the second one is when you complete your studies. When you attend these sessions, they provide you with god information to enable you to manage your debts wisely. Fifthly, do not spend too much. Handle your money with care. Spend only what you need to. There is no point is finishing all your funds and repenting later. So work hard, do your studies well and save for your future. This slight difficulty may be sweet later. Once you start earning then you can spend as much as you like. But even then do not throw hard earned money. Lastly and most important remind yourself of your commitments when you leave college. Go through all the loan documents and read the obligations. Go through the plan you had jotted down and see how much you have complied. Find a good job and begin repaying your loan. It is a good thing to take a student loan to finance your education. There are so May student loan consolidation programs so you will never run out of them but you have the obligation to pay back so do it. If you plan with your parents you have the motivation to stick to your plan.