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12-Sep-2019 09:43

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The typical student borrower receives money from federal loan programs every semester in school.

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For example, if you made three years of qualifying payments for Public Service Loan Forgiveness, then consolidate your loans, you would lose the three years of qualifying payments and the clock would start over again.

You combine all your student loans, take out one big consolidation loan and use it to pay off all the others.

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