Consolidating private student loans going into default

29-Dec-2017 07:56

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First, I want to make clear that these companies aren't fraudulent.Rather, they are charging you for a service that you really don't need to pay for.Depending upon the total balance you are consolidating, you may extend the repayment period for up to 30 years with consolidation.The extended period makes the monthly payment amount more manageable; however, the longer your loans are in repayment, the more interest you will pay over the life of the loan.It has powers that far exceed that of regular, run-of-the-mill financial conglomerates.(To be clear, those financial conglomerates can garnish your wages, but first they have to sue you and win a judgement.) But whereas private lenders are limited in their tactics by The Fair Debt Collection Practices Act (they can’t call you after 9pm or before 8am, they can’t show up at your place of business, and they can’t talk to a third party about your debt), the government is exempt, and it’s lobbied to have its private contractors (i.e. In terms of your student loans, wage garnishment is basically the government’s last resort to get you to pay up. Wage garnishment happens only—and I can’t stress this enough—if you default.You shouldn’t take too much solace in having so much company, though.Falling behind on your student loans can be costly in the long run.

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Here’s the good news: Even if you’re living paycheck to paycheck, you can still get your loan back in good standing with some effort. First, figure out what you owe If you’ve been avoiding correspondence with your loan servicer (the middlemen who handle your payments), you may not know how much you owe or how far behind you are.Wage garnishment sounds like it should be something nice, right?

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