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Only a student knows how difficult the life of a student is. With the pressure coming from all angles, it is challenging to preserve focus on studies and the associated matters. Cash is an integral part of everybodys lives and that includes students who want them for several factors. Moreover, as with a lot of folks, there can be times where the pocket can be a tiny tight and the student could have to resort to taking loans from various sources. In this method, the students could discover themselves subjected to pressures of paying interest rates for their loans. The much better selection then for all the students is to take a student debt consolidation loan. A student debt consolidation loan will consolidate all the loans that a student owes and combine into one single loan. The advantages of this procedure are a lot as well. Advantages such as: The student debt consolidation will let a student to concentrate on a single single loan. This is relatively easier than focusing on numerous loans. The interest rate on student loans is quite low, with usual interest rates ranging from 1% - 3%. The interest rates are charged only when the students are out of the college and have began working. There are several rebates that the students can get with the student debt consolidation loan that makes the repayment a lot easier. A lot of economic pressure is also removed of the students this allows much more concentration on the studies. A student debt consolidation loan also prevents a likelihood of a student getting turned into a borrower with poor credit history. With these advantages, it is better to have student debt consolidation loan than maintain on fighting with the loan and its payments. Any student who wants to apply for the debt consolidation loan has two choices readily available to him, those two becoming: Loans from government agencies there are many government related organizations, which deal in offering loans to the students. So if a student wants to take an authorized loan then this is the answer. Loans A lot of other authorities deal in student debt consolidation loans. This is one more choice for students who do not get loans from government authorities. The process of application is easy as nicely for the student debt consolidation loan. All a student borrower of the loan needs to do is just estimate his requirements and then submit an application to the lender of the loan. Being a student loan it will in all likelihood will be approved in a couple of working days. california debt consolidation