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The Bank of North Dakota will publicize the program through newspaper ads, college alumni foundations ...

Remember, too, that in lots of cases consolidating student loans will move them out of deferral.

student loan is subject to completion of a loan application/consumer credit agreement, verification of application information, credit qualification, and a benefit to borrower determination.

For example, borrowers with federal student loans can take advantage of federal income-driven repayment programs, or benefits like loan forgiveness, which borrowers with private student loans typically don’t have access to.

So if you feel like your interest rate is too high, refinancing could help.

This process will also combine all the loans you refinance into one convenient payment.

A loan with a longer term may have a lower monthly payment, but it can also significantly increase how much you pay over the life of the loan.

View the Total Cost of Borrowing Before you apply, we encourage you to carefully consider whether consolidating your existing debt is the right choice for you.

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(Photo by Kevin Winter/Entertainment/Getty Images) Singer Taylor Swift attends KIIS FM’s Jingle Ball 2014 powered by LINE at Staples Center on December 5, 2014 in Los Angeles, California.

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