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A single federal student loan is rarely sufficient to cover all your academic and living expenses.For most of us, student loans are a prime source of funding our college education.A consolidating student loan sums up the debt amounts of all the loans into one.As a result, you are required to pay towards this single one only.Although there is a grace period of six months on federal student and some private loans, the situation rarely improves even after six months.

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After that, the monthly EMI begins, which becomes a nightmare for the unemployed students.