I am going to be going into a two year paralegal program starting in the fall and I am pretty sure that I got the Stafford Loan for ,500 and I got a grant for about 0. The Paralegal program will end up costing about ,000 so I’ll need to take out a private student loan.

I find all of the financial aid and loans to be very confusing but I was looking at a private loan through Chase Manhattan bank that didn’t seem so bad. I was wondering about loan consolidation. Are there any banks that will consolidate federal stafford loans and a private loan together to help you have a lower monthly payment? Chase Manhattan said you cannot consolidate a federal and private loan but I was wondering if maybe another bank would do that? Or is there another smart way to go about handling your loans after graduation? I’m just trying to think of the whole picture and plan for graduating.

Also, when you take out a private loan it seems like they all have the variable thing going on..why don’t they offer a fixed rate? Do you try to consolidate and get a fixed rate when you’re done school?

Like I said before…financial aid is very confusing to me. Any help would be greatly appreciated.
Thanks!

I have a private student loan that I took out during school. The interest rate is ridiculous, but of course I was young and doing it all alone, and didn’t realize this at the time (I was also a victim of credit fraud so at the time my credit was horrible). I want to refinance this loan. I’ve never missed a payment.. . is this even possible to do? It’s only the ONE loan, but I want to know if it’s possible to get a better interest rate now that my credit is better. I appreciate any help! Thanks!

I’m just wondering, what credit score do banks generally accept for a private student loan?

I’m going to get some Federal loans, but after that I’ll need more.

I also currently have a credit score of 682.

I have a Private Student Loan from a bank with a Variable Interest Rate. Since the rates are low now, I want to convert it to a Fixed Interest Rate. Is that a considered Loan Consolidation? What companies help with this and who do you think is best? I have found info for Federal Loans, but not for Private Loans which is what I need.

I am looking for a private student loan but i do not have a co-signer. How can i get the extra money i need without one?