Best option for consolidating private student loans

As of this writing, the lowest fixed rate available is 3.49 percent, including a 0.25 percent automatic payment discount.

You’ll need a minimum ,000 per year income to qualify, but if you run into trouble with money you can tap into up to 18 months of unemployment protection and four years of interest only payments.

If you can lower your interest rates, you will save money over the life of the loan.

The second reason to consolidate is to lower and simplify your monthly payments.

Common Bond is a transparency-focused student lender with a community focus.

For every new student loan approved at Common Bond, the company funds the education of a child in need through a partnership with Pencils of Promise.

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That is something any borrower can feel good about.

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