Consolidating federal parent plus loans

Refinancing your loans can lower your interest rate and your monthly payment.

There are a lot of reasons why it's a bad idea, and I cover most of them in my Forbes column.

The fact is, though, if you're reading this article, it's too late.

To view this Web site effectively, you will need one of the following supported browsers from Microsoft, Google, Mozilla, or Apple.

Use the following links to download and install the appropriate browser.

You've already borrowed and now you're struggling to pay it back.

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