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If you want to lower your monthly payment amount but are concerned about the impact of loan consolidation, you might want to consider deferment or forbearance as options for short-term payment relief, or consider switching to an income-driven repayment plan. Whom do I contact if I have questions about consolidation?
It simply depends on your current financial situation.While advocates for consolidation commonly cite fiscal imperatives based upon economies of scale, opponents have responded with evidence undermining this argument and pointing out the prominent position of the rural school in the economic and social development of community.Additionally, evidence continues to build demonstrating the advantages of small schools in attaining higher levels of student achievement.National Education Policy Center: Consolidation of Schools and Districts: What the Research Says and What It Means Pennsylvania School Boards Association: Merger/Consolidation of School Districts: Does it save money and improve student achievement?The Rural Blog Anything But Research Based-State Initiatives to Consolidate Schools and Districts Rural Policy Matters (March 2006) Broader Curriculum Does Not Equal Higher Achievement in Iowa Rural Policy Matters (March 2006) Breaking the Fall—Cushioning the Impact of Rural Declining Enrollment (PDF)Lorna Jimerson (February 2006) School Consolidation and Local Control (PDF)National School Boards Association (2005) School consolidation and alternatives are the focus of the October issue of Leadership Insider. (PDF)Cynthia Reeves (Jan 2004) Between 19, total enrollment in West Virginia decreased 11%, 202 schools were closed, and education spending increased by 16%.
There is no cap on the interest rate of a Direct Consolidation Loan.