KEEPING CAPITAL LLC
SARASOTA, FLORIDA

There are both Private and Federal loans available to parents. If you have co-signed on a loan, you have a Private loan provided by a lending institution other than the Federal government. Think of this like a co-signed car loan. If the loan becomes delinquent, you ultimately are responsible for repayment. Consolidation of your Federal Student Loans may help! When you consolidate your Federal loans, outstanding individual loans are combined into a single new loan. This will provide some significant benefits. A Consolidated loan may offer additional repayment and forgiveness options that may not be available otherwise. The Federal Government has created multiple plans to assist loan holders who wish to lower their monthly payments and also qualify for long term loan forgiveness. We are asked every day “is there really such a thing as loan forgiveness”. The answer is: Absolutely yes! However it doesn’t work the way most people think that it does. Here is an outline of how the process works. 4 Steps! Understanding the differences will help you determine the best choice for your individual situation. Both options may help reduce monthly payments through interest reductions (Private) or by utilizing Federal Income Based Repayment plans (Federal). However you should keep in mind that if you Consolidate Federal loans into a Private loan, you will be losing significant payment flexibility and forgiveness options that are not available through Private lending institutions. The Federal Government has created multiple plans to assist loan holders who wish to lower their monthly payments and also qualify for long term loan forgiveness. We are asked every day “is there really such a thing as loan forgiveness”. The answer is: Absolutely yes! However it doesn’t work the way most people think that it does. Here is an outline of how the process works. 4 Steps! After consolidating, defaulted loans are either “paid in full” or “rehabilitated”, and are helpful in repairing credit scores. There are both Private and Federal loans available to parents. If you have co-signed on a loan, you have a Private loan provided by a lending institution other than the Federal government. Think of this like a co-signed car loan. If the loan becomes delinquent, you ultimately are responsible for repayment. Consolidation of your Federal Student Loans may help! When you consolidate your Federal loans, outstanding individual loans are combined into a single new loan. This will provide some significant benefits. A Consolidated loan may offer additional repayment and forgiveness options that may not be available otherwise. The Federal Government has created multiple plans to assist loan holders who wish to lower their monthly payments and also qualify for long term loan forgiveness. We are asked every day “is there really such a thing as loan forgiveness”. The answer is: Absolutely yes! However it doesn’t work the way most people think that it does. Here is an outline of how the process works. 4 Steps! Understanding the differences will help you determine the best choice for your individual situation. Both options may help reduce monthly payments through interest reductions (Private) or by utilizing Federal Income Based Repayment plans (Federal). However you should keep in mind that if you Consolidate Federal loans into a Private loan, you will be losing significant payment flexibility and forgiveness options that are not available through Private lending institutions. The Federal Government has created multiple plans to assist loan holders who wish to lower their monthly payments and also qualify for long term loan forgiveness. We are asked every day “is there really such a thing as loan forgiveness”. The answer is: Absolutely yes! However it doesn’t work the way most people think that it does. Here is an outline of how the process works. 4 Steps! After consolidating, defaulted loans are either “paid in full” or “rehabilitated”, and are helpful in repairing credit scores. There are both Private and Federal loans available to parents. If you have co-signed on a loan, you have a Private loan provided by a lending institution other than the Federal government. Think of this like a co-signed car loan. If the loan becomes delinquent, you ultimately are responsible for repayment. Consolidation of your Federal Student Loans may help! When you consolidate your Federal loans, outstanding individual loans are combined into a single new loan. This will provide some significant benefits. A Consolidated loan may offer additional repayment and forgiveness options that may not be available otherwise. The Federal Government has created multiple plans to assist loan holders who wish to lower their monthly payments and also qualify for long term loan forgiveness. We are asked every day “is there really such a thing as loan forgiveness”. The answer is: Absolutely yes! However it doesn’t work the way most people think that it does. Here is an outline of how the process works. 4 Steps! Understanding the differences will help you determine the best choice for your individual situation. Both options may help reduce monthly payments through interest reductions (Private) or by utilizing Federal Income Based Repayment plans (Federal). However you should keep in mind that if you Consolidate Federal loans into a Private loan, you will be losing significant payment flexibility and forgiveness options that are not available through Private lending institutions. The Federal Government has created multiple plans to assist loan holders who wish to lower their monthly payments and also qualify for long term loan forgiveness. We are asked every day “is there really such a thing as loan forgiveness”. The answer is: Absolutely yes! However it doesn’t work the way most people think that it does. Here is an outline of how the process works. 4 Steps! After consolidating, defaulted loans are either “paid in full” or “rehabilitated”, and are helpful in repairing credit scores.