What cofax said, pretty much. I did consolidate on the advice of my CPA (it's good to have relatives with these skills)-- at the time I was able to lock in a non-terrible interest rate, and we figured I was unlikely to wind up in one of the relatively few kinds of jobs that resulted in debt forgiveness any time soon. And I haven't. Generally, I think the questions to try to answer are: -What kinds of jobs, under the current terms, would give you significant benefits as far as deferment or forgiveness? Are you likely to get any of those jobs any time soon? -Does whatever consolidation option you're looking at give you favorable terms-- interest rates, options for deferment, whatever? -Weigh the first set of questions against the best of the consolidation options available to you?
ETA: And absolutely try to talk to some sort of financial advisor. Student financial services at your last school is a good bet for free advice, hopefully.
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branchandroot
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Date: 2010-01-21 02:12 am (UTC)-What kinds of jobs, under the current terms, would give you significant benefits as far as deferment or forgiveness? Are you likely to get any of those jobs any time soon?
-Does whatever consolidation option you're looking at give you favorable terms-- interest rates, options for deferment, whatever?
-Weigh the first set of questions against the best of the consolidation options available to you?
ETA: And absolutely try to talk to some sort of financial advisor. Student financial services at your last school is a good bet for free advice, hopefully.