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A co-borrower is highly recommended and may be required if the borrower has adverse credit. Most private student loan lenders allow graduate and professional degree-seeking students to borrow larger amounts than undergraduate students.
Borrowers in default may also consolidate in certain circumstances.
Private loans are made through private banks, credit unions, state agencies, and financial institutions.
Private loans should only be considered once federal student loans, grants, work study, and scholarship funds have been exhausted.
Based on several assumptions about future variations in interest rates, the loan volume, the percentage of defaulters, cost estimates from the United States Department of Education, it concluded that while doing so would incur an additional cost of million, caused by the higher administrative costs of the FDLP compared to the FFELP, this would be offset by a ,100 million saving comprised in part of avoiding ,500 million in subsidy costs.
Students currently attending a four-year college or university, community college, or other educational institution may be eligible for private student loans.
With just a few exceptions, you get only one chance to consolidate with the government loan programs.