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Student Resources: Çлý ÀÚ¿ø : Student Resources: Çлý ÀÚ¿ø : Online University Degree Programs ¿Â¶óÀÎ ´ëÇÐ ÇÐÀ§ ÇÁ·Î±×·¥Student Loan Consolidation Çлý ´ëÃâ ÅëÇÕ This Month's Featured Courses: À̹ø ´Þ Ãßõ ÄÚ½º : CTEFL - Certificate in Teaching English as a Foreign Language CTEFL - ÀÎÁõ¼ ±³À°¿¡¼ ¿µ¾î¸¦ ¿Ü±¹¾î·Î Rx Success ¢â Pharmacy Technician Career Training Program ¾à±¹ ±â¼úÁøÀÇ Rx ¼º°ø ¢â Á÷¾÷ ÈÆ·Ã ÇÁ·Î±×·¥ Pharmacy Technician National Certification Exam Preparation Course ¾à±¹ ±â¼úÀÚ ±¹°¡ ÀÎÁõ ½ÃÇè Áغñ °úÁ¤ Certified Help Desk Professional¢â (CHDP) Online ÇïÇÁ µ¥½ºÅ© °øÀÎ Àü¹®°¡ ¢â (¹ýÀÌ) ¿Â¶óÀÎ Medical Transcription, Billing and Coding ÀÇ·á Àü¼Û, °áÁ¦ ¹× ÄÚµù Cisco Training Courses ½Ã½ºÄÚ ±³À° °úÁ¤ Cisco Certification Article ½Ã½ºÄÚ ÀÎÁõ ±â¼ú ÀÚ·á Teacher Education Courses ±³»ç ±³À° °úÁ¤ Browse the ACETI Course Catalog ¹°·Ð īŻ·Î±× ã¾Æº¸±â ACETI What every student should know about online learning ¸ðµç ÇлýÀÌ ¿Â¶óÀÎ ÇнÀ¿¡ ´ëÇØ ¾Ë¾Æ¾ß ÇÒ »çÇ×Àº ¹«¾ù Learn More About... ÀÚ¼¼È÷ ¾Ë¾Æº¸±â ... | Consolidate Student Loan ÅëÇÕ ÇÐÀÚ±Ý ´ëÃâOverwhelmed By Student Loan Debt? Çлý ´ëÃâ 乫¿¡ ¾Ðµµ? Consolidate Your Student Loans ÅëÇÕÇÏ¿© Çлý À¶ÀÚby: Mike Yeager : ¸¶ÀÌÅ© ¿¹°ÅA consolidate student loan is the perfect solution for people who need help managing their debt. A¸¦¹ÞÀº ÇлýµéÀ»À§ÇÑ ¿Ïº®ÇÑ ¼Ö·ç¼ÇÀ» ÅëÇÕ ´ëÃâ ÀÚ½ÅÀÇ Ã¤¹«¸¦ °ü¸®ÇÏ´Â »ç¶÷ÀÌ ÇÊ¿äÇØ µµ¿òÀ̵˴ϴÙ. If you have several different loan payments but want to make only one payment per month, you should apply for a Federal Consolidation Loan. ¿©·¯ °¡Áö °æ¿ì ´ëÃâ±Ý »óȯÀÌ ÀÖÁö¸¸ ÇÑ ´Þ¿¡ ´Ü ÇÑ ÁöºÒÀ» ¸¸µé°í ½Í¾î, ´ç½ÅÀº ¿¬¹æ ÅëÇÕ ´ëÃâÀ» ½ÅÃ»ÇØ¾ßÇÑ´Ù. With loan consolidation, your lender will combine your present loans into one single loan. ´ëÃâ ÅëÇÕ°ú ´õºÒ¾î, ±ÍÇÏÀÇ ÀºÇà ´ëÃâÀ» °áÇÕÇÏ¿© ÇϳªÀÇ ´ëÃâ·Î Á¦½ÃÇÑ´Ù.
If you do decide to get a consolidate student loan, you will pay interest on a fixed rate. Çлý ´ëÃâÀ»¹ÞÀ» °æ¿ì ÅëÇÕÇϱâ·Î °áÁ¤ÇßÀ¸¸é, ´ç½ÅÀº °íÁ¤ ±Ý¸®ÀÌÀÚ¸¦ ÁöºÒÇϰԵ˴ϴÙ. The rate is determined by the average of your loans, and is averaged up to the nearest .125 percent. ±ÍÇÏÀÇ ´ëÃâ Æò±Õ ±Ý¸®¿¡ ÀÇÇØ °áÁ¤µÇ¸ç °¡Àå °¡±î¿î 0.125 %±îÁö Æò±ÕÀÔ´Ï´Ù. If you make direct loan electronic payments, you may get a lower interest rate. ÀüÀÚ ÁöºÒÀ» ÇÒ °æ¿ì¿¡´Â Á÷Á¢ ´ëÃâ, ³·Àº ±Ý¸®¸¦ ¾òÀ» ¼öÀÖ½À´Ï´Ù. As student loan debt is usually not the largest debt a person has, it may make sense to include it in a consolidate student loan. Çлý ´ëÃâ 乫·Î¼ ÀϹÝÀûÀ¸·Î ÇÑ »ç¶÷ÀÌ ÃÖ´ëÀÇ ºÎä°¡ ¾Æ´Ï¶ó¸é, Çлý ´ëÃâÀ» ÅëÇÕ¿¡ Æ÷ÇÔÇÏ´Â °¨°¢À» ¸¸µé ¼öÀÖ½À´Ï´Ù.
Tips on repaying your Consolidate Student Loan ÆÁ »óȯ¿¡ ´ëÇÑ ÅëÇÕ ÇÐÀÚ±Ý ´ëÃâ Most people use student loan consolidation as a way to manage debts. ´ëºÎºÐÀÇ »ç¶÷µéÀÌ ºÎ並 °ü¸®ÇÏ´Â ¹æ¹ýÀ¸·Î Çлý ´ëÃâ ÅëÇÕÀ» »ç¿ëÇÕ´Ï´Ù. Most often, a consolidate student loan will save money. °¡Àå ÀÚÁÖ, Çлý ´ëÃâ ÅëÇÕ µ·À» Àý¾àÇÒ °ÍÀÌ´Ù. Be aware that although a consolidate loan reduces monthly payments, it will likely raise the interest amount. ºñ·Ï ´ëÃâÀ» ÅëÇÕÇÏ°Ô ÀνÄÇÏ°í ¸Å´Þ µ·À» ÁöºÒ °¨¼Ò,ÀÌÀÚ ±Ý¾×À» ÀÎ»ó °¡´É¼ºÀÌ´Ù. Because of this, it is a good idea to try to pay off as much of your consolidate student loan as soon as possible. ÀÌ ¶§¹®¿¡,º°·Î ÁÁÀº »ý°¢Àº Çлý ´ëÃâµµ °¡´ÉÇÑ ºü¸¥ ½ÃÀÏ ³»¿¡ ÅëÇÕÇÏ¿©À¸·Î ¸¹Àº µ·À» ÁöºÒÇÏ·Á°íÇÏ´Â °ÍÀÔ´Ï´Ù. Do this by trying to increase your monthly payments. ¿ùº° ÁöºÒÇÏ·Á°í Áõ°¡ÇÏ¿©ÀÌ ¸¶½Ê½Ã¿À. Be aware that there are certain deferment programs available. ƯÁ¤ ÇÁ·Î±×·¥À» »ç¿ëÇÒ ¼öÀÖ½À´Ï´Ù °ÅÄ¡ °Å±â Á¶½ÉÇØ. For example, unemployment or economic hardship may cause the consolidate student loan to be reduced. ¿¹¸¦ µé¾î, ½ÇÁ÷À̳ª °æÁ¦Àû ¾î·Á¿ò ÇлýÀÌ ´ëÃâ Ãà¼Ò¸¦ ÅëÇÕÇÒ ¼ö°¡ ¹ß»ýÇÒ ¼öÀÖ½À´Ï´Ù.
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