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Strongly consider lenders that offer the most flexibility on payments and multiple options for forbearance.
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Your Federal Perkins loan may be eligible for consolidation.
You will be able to choose your servicer during the consolidation process.
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There are no origination fees, and the interest rate is currently 5%.
Repayment begins nine months after you graduate, totally withdraw from school, or drop below half-time enrollment.
A careful review of deferments and cancellations and the borrower's future status should be made before entering into a consolidation agreement.
Look up eligible federal loans via the National Student Loan Database System.