Student Loan Consolidation - Borrowing Investing Solutions - Payday Loans, Insurance, Debt Relief.

Student Loan Consolidation

Saving money on your student loans should be simple. Through our easy and secure online application process, we can significantly lower your monthly payments withno application fees, no prepayment penalties and no credit checks.

Student loan consolidation is basically a process of merging several student loans from different companies and banks into a single loan. To meet the expenses of a college education, a student usually borrows approximately $10,000 at an average interest rate of 6 to 8 percent from the federal government and private financial institutions. Over time, as the debt accumulates, the student typically finds it difficult to manage the payments of all the student loans that he has accumulated while he was in college. That’s where the need of student loan consolidation comes into play.

The Federal Loan Consolidation Program makes student loan repayment more manageable by allowing you to bundle your existing variable-rate federal loans into a single, fixed-rate loan-at unprecedented rates as low as 4.5%. It costs nothing to consolidate, and borrowing-investing-solutions.com makes it easy with a fast, online application.
You can apply to consolidate your school loans up to six months before graduation, during the grace period, or any time after graduation. If you indicate a grace period on the application we will set up your funding to maximize your grace period. If you are past the grace period and in repayment, you can consolidate your education loans at any time.

Your new interest rate is calculated as the weighted average of the interest rates of the loans you choose to consolidate, rounded up to the nearest 1/8th of one percent or 8.25%, whichever is less. The benefits of borrowing-investing-solutions.com over another one come down to two key things: the borrower benefits which can further reduce your interest rate and our friendly customer service you can rely upon.
Why consolidate student loans? Here are a few of the many benefits most student loan borrowers may enjoy by consolidating their student loan debt, far beyond the convenience of one simple loan and one monthly loan payment.

Great Benefits!

Lower your monthly payments up to 53% or more!
Make one payment for all your student loans.
Lock in a low, fixed interest rate on your student loans that won’t increase.
Cut your interest rates by 1.25%
Online application can be completed in 10 minutes
Receive competitive borrower benefits
Help boost your credit score by reducing the number of open accounts

No prepayment penalties means you can pay off your loans sooner, without any extra charges or fees, as your financial status improves. You went to college to achieve your career and financial goals. By combining all of your student loans into one consolidated loan, you can lengthen your repayment term from the standard 10 years to up to 30 years, depending on the amount of your education debts. As your earning power increases, you can have the flexibility to reduce your outstanding college loan debt even faster without any additional fees or charges.
Once your consolidation loan is disbursed, you'll lock in an interest rate that's lower than your previous amounts. That's because when you consolidate, you get 1.25% in discounts based on such criteria as on-time payments and auto-payments.
By consolidating multiple student loans into one lower monthly payment, you gain the freedom to better manage your monthly budget, and invest more of your earnings for the future.

Consolidating your Student Loans is an easy way to lower your interest rates and reduce your monthly payments. Complete simple form below and start saving today!

What is Borrowing Investing Solutions?
Borrowing Investing Solutions is a leading online provider of finance. We try to bring our customers the best financial products on the market, from mortgage and payday loans to debt consolidation and insurance.

What is Home Refinancing?
Refinancing is simply getting a new mortgage to replace an original mortgage, usually with different (and ideally better) interest rates or terms. But instead of simply throwing out the original loan and making a new one, the first mortgage paid off and then a second loan is created.

What is Home Equity Loan?
A home equity loan (or line of credit) is a second mortgage that lets you turn equity into cash, allowing you to spend it on home improvements, debt consolidation, college education or other expenses. It allows you to borrow money, using your home's equity as collateral.

What is a Payday Loan or Cash Advance?
A payday advance provides you with an unsecured, short-term cash advance until your payday. Customers choose payday advances to cover small, unexpected expenses while avoiding costly bounced-check fees and late payment penalties. With Borrowing Investing Solutions you can apply for a payday loan online and have your advance electronically deposited to your checking or savings account.

What is Debt Consolidation?
Debt consolidation entails taking out one loan to pay off many others. This is often done to secure a lower interest rate, secure a fixed interest rate or for the convenience of servicing only one loan. Debt consolidation can simply be from a number of unsecured loans into another unsecured loan, but more often it involves a secured loan against an asset that serves as collateral, most commonly a house. In this case, a mortgage is secured against the house. The collateralization of the loan allows a lower interest rate than without it, because by collateralizing, the asset owner agrees to allow the forced sale (foreclosure) of the asset to pay back the loan.

What is Debt Settlement?
Debt settlement is an aggressive approach to debt reduction, which is appropriate for debtors with a serious amount of debt or who are considering bankruptcy. A debt settlement agency negotiates with the creditors to settle the debt for a lower amount than owed, as the debtor saves their money for a lump-sum settlement payment. After the debt is settled, the creditor will send a letter stating the debt obligation was fulfilled, and will report to the credit bureaus that the debt has been, "Settled for less than full amount", "Paid" or "Settled".