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Why Debt Consolidation?
One of the bad credit situations in terms of interest and credibility is to have many loans on you and they are all unpaid. Debt consolidation is considered to be a solution to such a problem. Some people refer that it is not anymore profitable and may get any person into loss but I recommend consolidating this debt buy having a larger loan with provision of some collaterals and for a fix and lower interest rate. I have following points in favor of debt consolidation that will prove you the beneficence of such an act.
Lower Interest Rate
Yes, instead of paying so many smaller loans with relatively different interest rate, it is much easies and convenient to pay a single and lower interest rate. They will decrease this for you due to many reasons; for example; by providing collateral and asking for a mortgage for that is some kind of a secured loan. The creditor s money is not in mush danger as you are allowing him to sale your house or any worthy thing to pay back the loan so interest rate will be lessened.
Then if the debtor is in some kind of bankruptcy or is highly likely to get into one, you can request and negotiate on a lower interest rate and that will make it easier for you to pay your income to the loan and not in the interest only.
Less Monthly Payment
This seems to be attractive to a debt-struck person but this is not an easy task. You have to think about the details and calculate the profit and total amount of payment to be made.
Less monthly payment is logically possible but not up to 50% or more. It is lessened for sure, but only because of lower interest rate or by having a bigger amount your duration of payment is lengthened. Before making any deal, do calculate the wholesome money in all payments in the required period of time.
Fixed Interest Rate
As you are a debtor to various companies with a wide range of interest rate you are paying depending upon your money and duration of debt. So to make it less complicated and incorporated into one lesser interest rate, it is more feasible to have a larger loan with a smaller interest rate, pay the rest of them and then handle only one debt.
So many may be the benefits of debt consolidation but the best way is to pay the monthly payments and other debts regularly so as not to get yourself trapped into such a thing.
ACS Student Loans
An ACS student loan is a loan that is serviced by the Affiliated Computer Services, Inc. It is a company known for outsourcing technology and business solutions. Universities across the country use the ACS student loan services because of the company’s reputation for using technology to effectively handle some of the more difficult aspects of loan services.
ACS student loans allow students to make payments online, instantly be able to see the status of an account, make changes to personal details such as name and address, and also to be able to receive email notifications when a payment has been processed.
Many different programs for financial aid fall under the heading of an ACS student loan. One of the major ACS student loan groups is the Campus Based Student Loan Program (CBSL), which includes Federal Perkins Loans, Nursing Student Loans (NSL), and Institutional Loan Programs, among others. Another major group of educational loans handled by ACS is the Federal Family Education Loan Program (FFEL), which includes the Stafford (GSL) Loans, PLUS loans to parents of students, and loan consolidation services. ACS also has the ability to handle many other groups of educational loans donated by a variety of private companies.
For those who do not already have an ACS student loan, applications and guidelines for different financial aid options are available online. The ACS website gives a clear example of how to fill out a Free Application for Federal Student Aid (FAFSA) form, and demonstrates what the results mean in terms of your eligibility for financial aid. Furthermore, applications for both Stafford and PLUS loans for parents can be found on the ACS website, and can be completed and sent in online.
If you are the holder of an ACS student loan already, you may be interested in knowing about the benefits of student loan consolidation. The ACS website provides information and application forms that could help you lock in a lower rate and reduce your monthly payment amount.
Some other tools that can help you with your ACS student loan are a repayment calculator, guidelines from the IRS about how to use your student loans for tax relief, and a glossary of important student loan-related terms.
All in all, an ACS student loan is one that will give the borrower plenty of ease and flexibility when it comes to loan servicing from application to repayment and consolidation. ACS works with a number of universities across the United States, including the University of Pittsburgh and the University of Vermont. Even if your specific university does not offer student loans handled by ACS, their website is a treasure trove of helpful tools and information, and well worth a look.