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Consolidating audio

Even when you are applying through the same lender, you are basically taking out a new loan each semester or year.Each of those loans is a separate account, so it is standard practice for students to have multiple loans reported in their history.

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The reason has to do with the way student loans actually work as opposed to how we think about them.Newly deregulated or privatized industries throughout the world, such as energy, telecommunications, railroads, banking, and insurance, currently occupy this space.Start-ups in new fields such as biotechnology and on-line retailing also reside here, along with spin-offs that come from completely consolidated industries—as sports drinks and bottled water did from the soft-drink industry.In general, debt consolidation loans can reduce the amount of interest you pay each month, reduce the number of creditors you have to deal with, and shorten the amount of time it will take to pay off your debts as long as you qualify and keep with the program terms.If you’re struggling to pay high interest rates on a lot of unsecured debt, consolidation may seem like an attractive solution.To consolidate student loan debt, you get a single loan that is then used to pay in full your outstanding debt from the various lenders who provided you with student loans.

By doing so, you “consolidate” your student debt into a single loan.

Everyone knows that most new industries are fragmented and consolidate as they mature. Our long-term analysis of mergers around the globe has found that most industries progress predictably through a clear consolidation life cycle—and that companies can plot with some precision where they fall in the cycle.

From our study of 1,345 large mergers completed over the past 13 years, we have concluded that, once an industry forms or is deregulated, it will move through four stages of consolidation (see the exhibit “Industry Consolidation Life Cycle”).

What are common monthly expenses for a student living on their own, including student or car loans? Write a list of your expenses, figure out how much money you spend on each area, and what percentage of your income pays for each.

Why would keeping a budget be important in managing your money?

Debt consolidation is a means of debt refinancing that involves taking out a new loan to pay off other loans and credit card debt.