Student loan consolidation loans will consist of two loans in most cases. When you go to school and you get student loans, most of the loans are subsidized and unsubsidized. One of these loans collects interest during the deferment period and the other loan does not. A lender will give you two student loan consolidation loans, one for the subsidized and one for the unsubsidized. The lender will determine your monthly payment that you will pay. When you make your monthly payment, the lender will place your payment on each loan accordingly.
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