You graduated with private student loans
Can you consolidate them and way to payments?
With private student loans you have limited options. You are basically at the favour of your lender’s repayment policy, and they are not required to grant any deferments. It’s precisely at their discretion. Moreover, the credit crisis has all but shut down the con-loan consolidation market. Right now, that market is all but closed for unofficial borrowers. SILVERLINING : The $700 billion bailout bill Congress passed in October 2008 restored a college tax fracture that had expired. Through 2009, you can deduct up to $4,000 in college teaching and fees if your income is below $65,000 for single filers (you can net a $2,000 deduction if your income is between $65,000 and $80,000) and $130,000 for those married and filing jointly (you get the $2,000 result at incomes between $130,000 and $160,000). You can claim this deduction uniform with if you do not file an itemized return.
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