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  1. What is the benefit of a Federal Student Loan Consolidation from Student Loan Xpress?

    A Federal Consolidation Loan is part of the family of loans available under the Federal Family Education Loan (FFEL) program as authorized by the federal government. With a Federal Consolidation Loan, you can consolidate all or some of your outstanding education loans into a single new loan, even if your loans are currently held by more than one lender and are of different loan types.

    With a Consolidation loan, you take advantage of these significant benefits:

    • Get a fixed interest rate as low as 6.875%!
    • Cut your monthly payments by up to 45%--or more*
    • Pay no penalty for early repayment,
    • Reduce your monthly bill-paying paperwork
    • If you're like most borrowers, you keep all deferment and forbearance benefits for federal student loans
    • No credit check, no co-signers needed and no fees,
    • Get answers to all your student loan questions from a single source
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  2. Why should I apply now?

    Currently, interest rates are extremely competitive — but you must act now to receive today's low rates. With a consolidation loan, you can trade your VARIABLE rate student loan for a FIXED rate loan thereby LOCKING IN this favorable rate for the life of your loan. If you choose not to consolidate now, you run the risk of losing out on this rate. (Note, all Stafford loans issued after 7/1/2006 have a fixed interest rate of 6.8%, and therefore would earn a consolidation rate of 6.875%.) You can also chose a repayment plan that allows you to make a more manageable monthly payment on your loan.

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  3. What do I need to do?

    At Student Loan Xpress, our trained professionals have experience in setting up consolidation loans so you can begin cutting your monthly payments quickly and easily. All you need to do is contact us, via this website or call (888)274–0373, and we will get you started! We'll review your information with you, process your application and work with your current lenders to ensure that all your loan information is up to date and accurate. You finish the process with a single loan; a low, fixed rate; an affordable monthly payment; and the peace of mind that you have improved your financial situation now, when you need it most. It's that simple.

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  4. How much can I lower my monthly payments?

    By extending your loan term or selecting one of our graduated repayment plans, you can lower your monthly payments by as much as 45% — or more*. You may also choose interest-only payments. Your consolidation loan specialist will help you understand your options. In addition, with Student Loan Xpress, there is NO PENALTY for early repayment of your loan. However, please note: by extending your payments, your overall financial obligation may increase, because you will be making payments (principal plus interest) for a longer period of time. If you choose to make payments until the end of the extended period, rather than paying your loan off early, the total cost of your loan will be greater than what you would have paid if you had not extended the term.

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  5. How do I know if I’m eligible for a consolidation loan?

    To be eligible for a consolidation loan from Student Loan Xpress, you must have at least $7,500 in eligible outstanding loans and you must not be currently in default on a Federal student loan.

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  6. What is the interest rate on a Federal Student Loan Consolidation from Student Loan Xpress?”

    The fixed interest rate for your Student Loan Xpress federal consolidation loan is based on the weighted average of the interest rates of the loans you consolidate (rounded up to the nearest 1/8th percent). Current rates for Stafford loans are as follows:

    • For Stafford loans in repayment and disbursed after 7/1/98 but before 7/1/2006, the variable interest rate is 7.22%.
    • For Stafford loans in their grace period disbursed after 7/1/98 but before 7/1/2006, the variable interest rate is 6.62%.
    • For Stafford loans disbursed after 7/1/2006, the fixed interest rate is 6.8%.

    Please call us at (888) 274–0373 for more information.

    If you consolidate a HEAL loan, the interest rate on that portion of your loan will not be fixed. The portion of your consolidation loan represented by the HEAL loan will be a variable rate that is adjusted annually on July 1st. This rate is set at 3 percent over the bond-equivalent rate for the three-month Treasury bills auctioned during the three months ending June. There is no cap on the HEAL interest rate.

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  7. How much does it cost to consolidate my Federal Loans?

    There are no fees to apply for a Student Loan Xpress consolidation loan.

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  8. Once I have taken out a Consolidation loan, can I add any new loans to it?

    Yes. Within 180 days of the funding date for your Consolidation Loan, you may add additional eligible loans to your consolidation loan. To add a loan, call us at (888) 274–0373. If you have questions or concerns not answered here, Contact Us!

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  9. What if don’t know who currently holds my loan?

    You can find lender names and addresses in your coupon book or monthly statement for each of your loans. Or, please contact us for assistance at 888-274–0373.

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  10. Will you check my credit before approving me for a consolidation loan?

    No. There is no credit check to obtain a Student Consolidation Loan through Student Loan Xpress. However, you must not be in default on a Federal Student Loan.

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  11. Can my spouse and I consolidate our student loans?

    No. Under federal regulations that take effect July 1, 2006, you are not able to consolidate your loans with those of your spouse.

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  12. What are my repayment plan options?

    You may choose one of several repayment options for your Student Consolidation Loan. The repayment term can have a maximum of up to 30 years depending on the total amount of your student loans.

    • Repayment plan options

      • Equal Payments

        This option provides equal monthly payments over the term of the loan.

      • Select 2/Graduated Payments

        This option allows for interest-only payments first two years of repayment. In the third year, payments increase to level installments of principal and interest payments for the remaining term of the loan.

      • Select 5/Graduated Payments

        This option allows for interest-only payments first two years of repayment. In the third through fifth years, payments increase to include a portion of principal. In the sixth year, payments increase to level investments of principal and interest payments for the remaining term of the loan.

      • Income-Sensitive Payments

        This option provides for payments to be adjusted annually based on your expected total monthly gross income from employment and all other sources. For spousal consolidation loans, monthly payments are adjusted according to combined monthly incomes. Your account will initially be disbursed at a gradated Select/2 Graduated repayment plan. After the consolidation loan is disbursed, you must contact your servicer to qualify. Once eligibility is determined, your servicer will calculate your new payment.

      • Extended Equal Payments 1

        This option allows up to a 25 year repayment term of Equal Payments.

      • Extended Select 2 Payments 1

        This option allows up to a 25 year repayment term with the Select 2/Graduated Payment plan.

      • Extended Select 5 Payments 1

        This option allows up to a 25 year repayment term with the Select 5/Graduated Payment plan.

      The length of time you can choose to repay your loan is dependent on your total loan balance, both for those loans you are consolidating and for any additional education loans that you have, but are not consolidating.

      If your total loan balance is: Your maximum repayment period 2 is:
      $7,500 to $9,999 12 years
      $10,000 to $19,999 15 years
      $20,000 to $29,999 20 years
      $30,000 to $59,999 25 years (with extended repayment plan)
      more than $60,000 30 years
 






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Вопрос:
Подлежат ли контролю со стороны органов государственной власти расходы физических лиц, связанные с приобретением жилья?
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Ответ:
Федеральным законом № 104-ФЗ от 07.07.2003 г. признаны утратившими силу положения законодательных актов Российской Федерации (ст. 86.1; 86.2; 86.3 НК РФ) в части налогового контроля за расходами физических лиц.

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