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This depends on where you are in the consolidation process.

Private education loans are not eligible for consolidation, but for some Direct Consolidation Loan repayment plans, the total amount of your education loan debt—including any private education loans—determines how long you have to repay your Direct Consolidation Loan.

Repayment of a Direct Consolidation Loan will begin within 60 days after the loan is disbursed (paid out).

Your loan servicer will let you know when the first payment is due.

The First Tech student loan team can review your current student loans and make a recommendation based on your individual account .

Repayment on your student loans depends on the type of loan.

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Loan consolidation can also give you access to additional loan repayment plans and forgiveness programs. If you want to lower your monthly payment amount but are concerned about the impact of loan consolidation, you might want to consider deferment or forbearance as options for short-term payment relief, or consider switching to an income-driven repayment plan for longer-term payment relief.

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