Written by Irvin L. Rozier

Thirty five years ago when I was full of hope and eighteen I graduated from Blackshear High, I had a classmate named Dean Laura Evans and I were picked as Mr. and Mrs. Senior In those days I was mischievous and much leaner

Many of my classmates have passed away Since that long ago June graduation day Jimmy, Danny, Martin, Linton, David and Charlotte Lee Are some of those no longer around for me to see

Our class president Richard Brice played music inrepparttar string band He is now playing music in that heavenly land Franklin Evans and Ernest Hyler came over from Lee Street High I hope to see them again in that reunion inrepparttar 139628 sky

Al James was a smart and friendly guy He always looked spiffy in that blazer and tie I worked on a farm with my classmate Sharon Varnedore Now Al and Sharon rests by that golden shore

10 Pointers on College Loan Consolidation

Written by Georgio Heberto

Should I consolidate my college loans or not?

1. Still in school, yes! Rates are low, but they're scheduled to go up. Your college loan payments will then remain as manageable as possible when you leave school. If you have graduated, or will be graduating this May or June, yes! Graduates can lock in historical low rates, and reduce their monthly payments more than half. You can lock in a rate even while still in school, and even if you have been out of school for a couple of years can get a good deal, too.

2. The newest twist inrepparttar consolidation puzzle isrepparttar 139514 "in school consolidation", affecting students who are currently enrolled and will be enrolled pastrepparttar 139515 July 1 consolidation. You can consolidate your existing college loans now to securerepparttar 139516 low rates for at least part of their student loan portfolio.

3. Consolidating could save thousands of dollars in interest payments on college loans. There are impending student loan rate changes and new interpretation of regulations byrepparttar 139517 Department of Education, also, Congress is considering endingrepparttar 139518 fixed-rate program. Experts are urging students to consolidate to relieve themselves of a higher debt load.

4. Many students and families are looking for a simple, clear answer about whether to consolidate college loans or not. The simple answer is to take some ofrepparttar 139519 bite out ofrepparttar 139520 debt by loan consolidation. You could live like a miser and save as much money as possible or consolidate your federal student loans now.

5. For students still in school, you have an opportunity to choose consolidation. Consolidating would put a college loan borrower into repayment status, butrepparttar 139521 student can defer payments until after graduation by making a deferment request. Consolidating today can have payments put off until graduation.

6. The federal loan program allows consolidation, which is when a borrower pools his student debts together so that only one monthly payment is necessary, rather than several. It's not justrepparttar 139522 convenience of one payment that is making consolidation so compelling. The most significant aspect ofrepparttar 139523 program is that it allows a person to permanently lock in a lower interest rate on loans. These loans are backed by, or granted directly by,repparttar 139524 federal government.

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