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The aid is designed to increase college access for the neediest groups of students.

Perkins Loans fill gaps left after other financial aid is expended.

The recipient/reader should consult his/her tax adviser, legal consultant and/or accountant for a statement of tax and accounting rules applicable to his/her particular situation and for all other tax and accounting advice.

But for student loans – particularly federal student loans – what you got when you signed up was what you were stuck with until you paid them off. How refinance is different from consolidation With federal loans, as it stands, the only thing you can do is consolidate your loans to stay under the federal debt umbrella.

Perkins borrowers may have multiple outstanding loans, but many students also carry federal Stafford Loans, and others issued through the Direct Loan Program.

Students with multiple federal loans are increasingly concerned about how they will meet repayment obligations after graduation.

Entering these numbers into the loan calculator at gov—on a standard 10-year repayment plan, you’re going to be paying a little over 0 a month.

Over 10 years, you’ll pay about ,000 in interest on your original principal of ,000. Under your new loan terms, your loans will be consolidated into one ,000 loan—and you’ll have one new fixed interest rate, which is determined by taking the weighted average of the interest rates on your previous loans, and rounding up to the nearest one-eighth of one percent. Now, entering your loan information into a loan consolidation calculator, you’ll find that consolidating your loans gives you a new repayment period, which is figured based on the amount you owe – the more you owe, the longer this repayment period will be.

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