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Student loans are a hot topic these days, and many of us have been avoiding them for too long. But there’s good news – you can make them more manageable.

Think of it like having a toolbox for your student loans. You’ve got tools to lower payments, get better rates, and even reduce debt.

Here’s the thing – you’ve got to use those tools! That’s why exploring your options is important. We’re the Credilife® team, and we’re here to guide you. We’ll help you find the best plan for you, whether it’s federal programs, repayment plans, or refinancing.

Don’t let student loans hold you back. With the right tools and guidance, you can make them easier to handle and focus on your financial future. Let’s team up and turn those student loan clouds into bright days!


Student loan debt is a real challenge, and Credilife® is here to make things simpler. We’ll help you understand your options – whether it’s student loan consolidation or rehab programs for defaulted loans.

We’ll kick things off by reviewing your student loan situation, finances, and credit. Then, we’ll figure out which option fits you best. It could be consolidation or even federal programs for student loan forgiveness.

Say goodbye to student loan stress! Credilife® is passionate about guiding you to financial freedom. Let’s tackle this issue together and wave goodbye to the student loan epidemic!

Once we’ve weighed your options and considered their impact, we’ll help you move forward with consolidation or rehab. Our ethical and public-serving approach is all about making things easier for you. Have questions about student loans? Contact us for a free assessment – no strings attached!



Student loan debt has soared to $1 Trillion in the United States. With the cost of higher education rising every year, student loans are the

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Carefully consider whether loan consolidation is the best option for you. Loan consolidation can greatly simplify loan repayment by centralizing your loans to one bill and can lower monthly payments by giving you up to 30 years to repay your loans. You might also have access to alternative repayment plans you would not have had before, and you’ll be able to switch your variable interest rate loans to a fixed interest rate. However, if you increase the length of your repayment period, you’ll also make more payments and pay more in interest. Be sure to compare your current monthly payments to what monthly payments would be if you consolidated your loans. You also should consider the impact of losing any borrower benefits offered with the original loans. Borrower benefits from your original loan, which may include interest rate discounts, principal rebates, or some loan cancellation benefits, can significantly reduce the cost of repaying your loans. You might lose those benefits if you consolidate. If you want to lower your monthly payment amount but are concerned about the impact of loan consolidation, you can consider reevaluating your budget and income situation. You can also consider deferment or forbearance as options for short-term payment relief needs. Once your loans are combined into a Direct Consolidation Loan, they cannot be removed. The loans that were consolidated are paid off and no longer exist.

Here are some tips on qualifying for a Direct Consolidation Loan: You must have at least one Direct Loan or FFEL Program loan that is in a grace period or in repayment. If you want to consolidate a defaulted loan, you must either make satisfactory repayment arrangements on the loan with your current loan servicer before you consolidate, or you must agree to repay your new Direct Consolidation Loan under the… Income-Based Repayment Plan, Pay As You Earn Repayment Plan, or Income-Contingent Repayment Plan. Generally, you cannot consolidate an existing consolidation loan again unless you include an additional Direct Loan or FFEL Program loan in the consolidation. However, under certain circumstances you may reconsolidate an existing FFEL Consolidation Loan without including any additional loans.

Credilife® is an established, ever evolving, compliant, accurate, and successful Credit Life Improvement Program that thrives on customer service, research, and strategy. The result? A blueprint for success with great purpose. A credit services organization need not subscribe to Credilife® to be credible, but for those that do, rest assured, they are working to raise the bar for the industry as a whole when it comes to helping consumers improve their credit, get out of debt, and carve a new path toward financial independence. Through a combination of coaching initiatives, budgeting and credit building strategies, complemented by a factual technical credit disputing process, Credilife® is much more than a traditional credit repair program. See the Credit Builder Blueprint® as an example of the additional effort that is placed into ensuring each consumer’s successful transition from credit challenged to a viable, healthy credit life! We believe in promoting strong affiliate awareness because a healthy referral network made up of select industry professionals is the best way to find consumers that are motivated and deserving of such an opportunity… goal driven consumers, who are motivated and prepared to embark on a path that will lead to a future full of opportunity… diamonds in the ruff! Ready to join us, or want to know more? Connect with one of our affiliated businesses to subscribe to a new way of life… a Credilife®.

A Direct Consolidation Loan has a fixed interest rate for the life of the loan. The fixed rate is based on the weighted average of the interest rates on the loans being consolidated, rounded up to the nearest one-eighth of 1%. There is no cap on the interest rate of a Direct Consolidation Loan.

Most federal student loans, including the following, are eligible for consolidation:

– Direct Subsidized Loans
– Direct Unsubsidized Loans
– Subsidized Federal Stafford Loans
– Unsubsidized Federal Stafford Loans
– Direct PLUS Loans
– PLUS loans from the Federal Family Education Loan (FFEL) Program
– Supplemental Loans for Students (SLS)
– Federal Perkins Loans
– Federal Nursing Loans
– Health Education Assistance Loans
– Some existing consolidation loans

Private education loans are not eligible for consolidation. If you are in default, you must meet certain requirements before you can consolidate your loans.

A PLUS loan made to the parent of a dependent student cannot be transferred to the student through consolidation. Therefore, a student who is applying for loan consolidation cannot include the PLUS loan the parent took out for the dependent student’s education.

A complete list of the federal student loans eligible for consolidation is available in the application.

Generally, you are eligible to consolidate after you graduate, leave school, or drop below half-time enrollment.

Repayment of a Direct Consolidation Loan can begin 60 days after the loan is disbursed, or sooner. Your loan servicer will let you know when the first payment is due. The repayment term ranges from 10 to 30 years, depending on the amount of your consolidation loan, your other education loan debt, and the repayment plan you select. Note: If any loan you want to consolidate is still in the grace period, you can delay entering repayment on your new Direct Consolidation Loan until closer to your grace period end date. You will indicate this when you apply, and the consolidation servicer will wait to process your application until the appropriate time.


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This is the amount of the academic work you must complete each year, and the time period in which you are expected to complete it, as defined by your school. For example, your school’s academic year may be made up of a fall and spring semester, during which a full-time undergraduate student is expected to complete at least 24 semester hours, usually called credits or credit hours, over the course of 30 weeks of instructional time. Academic years change from school to school and even from educational program to educational program at the same school. For purposes of the Teacher Loan Forgiveness Program, an academic year is defined as one complete school year at the same school, or two complete and consecutive half years at different schools, or two complete and consecutive half years from different school years (at either the same school or different schools). Half years exclude summer sessions and generally fall within a 12-month period. For schools that have a year-round program of instruction, nine months is considered an academic year.

Confirms that the college or career school meets certain minimum academic standards, as defined by an accrediting body recognized by the U.S. Department of Education. Schools must be accredited to be eligible to participate in federal student aid programs.Confirms that the college or career school meets certain minimum academic standards, as defined by an accrediting body recognized by the U.S. Department of Education. Schools must be accredited to be eligible to participate in federal student aid programs.

From the 2009–10 award year through the 2010–11 award year, eligible students could receive up to two Federal Pell Grants within a single award year. The Additional Eligibility field on the Grant Detail page in a student’s My Federal Student Aid account indicates whether a student was eligible for two Pell Grants in a single award year.


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