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Simplify Monthly Payments

Borrowers with multiple federal loans may have more than one loan servicer, each of whom bill separately for the loans they manage. Consolidating federal loans enables the borrower to obtain a single monthly payment with one servicer. If a borrower already has a single payment but doesn’t like their loan servicer, they might get a different one after taking out a new consolidation loan. This is not guaranteed as the government – not the borrower – chooses the loan servicer of the Direct Consolidation Loan.

Obtain a Fixed Interest Rate

The federal government has not issued student loans with variable interest rates since 2006. However, some borrowers are still paying off these older vintage loans. Refinancing variable-rate student loans with a fixed-rate Federal Direct Consolidation Loan eliminates the risk of higher payments should interest rates rise.

Strategies to Consider Before Consolidating

Loan consolidation can’t be undone, so borrowers should proceed carefully. If loan consolidation is the right choice for one or more loans, consider the following strategies:

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“I agreed to bring it back only if it could be something different and make an immediate impact for our local schools,” the associate professor says.

In addition to that classroom time, student-subs participate in coaching conversations with university faculty

To stay attuned to the needs of those schools, Hines tries to build and maintain strong relationships with local school leaders. A district leader recently told Hines that one of her biggest problems lately is finding substitute teachers. It’s a challenge for schools across the country that the pandemic has intensified. District and state leaders have come up with temporary solutions like calling on parents and members of the National Guard to volunteer, or moving classes online.

So Hines thought up a solution. What if her college students got some of their required classroom experience by working as paid substitute teachers?

For school districts, the benefit of such an arrangement would be “getting a really motivated, educated, substitute teacher,” Hines says. For students, one benefit would be the pay.

“It breaks my heart when I have students who are trying to get in their field work, but they are working at Disney or waiting tables,” Hines says. (mais…)