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You’ve got just as many choices when it’s time to repay your loans.
If you’re deciding between federal student loan consolidation and refinancing, it’s important to understand the differences before choosing which makes the most sense for you.
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The program will dissolve your remaining federal loan balance after you make 120 payments while working in a public service job.
But only direct loans qualify, so you can consolidate Federal Family Education Loans or Perkins loans into a direct consolidation loan to participate (read on for important caveats to consolidating Perkins loans).
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