However, you can pick the lower payment today if you want, and then make larger than required payments if your income increases. The lender simply repackages your loans so they have the characteristics mentioned above (fixed rate, etc). You might have several loans – one for each enrollment period, so be sure to get them all.

If you’ve only used one lending source, you may have limited options on who to consolidate with. government are always more borrower-friendly than private student loans. Finally, you can get information on loans and view current rates at this Direct Loan page.

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Benefits Enrollment for 2018Starting this October, benefits eligible employees can enroll, review, or update their insurance benefits for 2018.

Click an icon above to find more information for your benefits program.

If you’re not worried about rising interest rates, for example, then you might not care about getting a fixed rate.

Likewise, if you’re making your payments without any difficulty, you might have no need for lower payments.

In the United States, the Federal Direct Student Loan Program (FDLP) includes consolidation loans that allow students to consolidate Stafford Loans, PLUS Loans, and Federal Perkins Loans into one single debt.

This results in reduced monthly repayments and a longer term for the loan.If you’re still in school now, consider getting loans from other lenders so that you have more choice when you graduate. Think carefully before mixing the two types (for example, you'd need a good reason to consolidate federal student loans under with a private lender). You cannot consolidate student loans with your spouse, but joint consolidation was possible before 2006.There are (or would be) several drawbacks to a joint consolidation.New Electronic Freeze Form (Norman Programs) As of July 1, Norman departments can use the electronic freeze form to submit a hiring freeze exemption form.Paper forms will be accepted until January 2018, but the electronic version is the preferred form.Item Price: .00 At present Amazon gift card is the only method of payment we are accepting.