Debt Consolidation - A Broader Definition

After my last post on debt consolidation, I received many e-mails asking me to provide a broad definition of debt consolidation. So today, instead of talking about student loan consolidation, I'm going to discuss debt consolidation as a whole.


Debt consolidation entails taking out one loan to pay off many others. This is often done to secure a lower interest rate, secure a fixed interest rate, or for the convenience of servicing only one loan.

Debt consolidation can simply be from a number of unsecured loans into another unsecured loan, but more often it involves a secured loan against an asset that serves as collateral, commonly a house. In this case, a mortgage is secured against the house. The collateralization of the loan allows a lower interest rate than without it, because by collateralizing, the asset owner agrees to allow the forced sale (foreclosure) of the asset to pay back the loan. The risk to the lender is reduced so the interest rate offered is lower.



Sometimes, debt consolidation companies can discount the amount of the loan. When the debtor is in danger of bankruptcy, the debt consolidator will buy the loan at a discount. A prudent debtor can shop around for consolidators who will pass along some of the savings. Consolidation can affect the ability of the debtor to discharge debts in bankruptcy, so the decision to consolidate must be weighed carefully.

Debt consolidation is often advisable in theory when someone is paying credit card debt. Credit cards can carry a much larger interest rate than even an unsecured loan from a bank. Debtors with property such as a home or car may get a lower rate through a secured loan using their property as collateral. Then the total interest and the total cash flow paid towards the debt is lower allowing the debt to be paid off sooner, incurring less interest.


Student loan consolidation

In the United States, federal student loans are consolidated somewhat differently than in the UK, as federal student loans are guaranteed by the U.S. government.

United States

In a federal student loan consolidation, existing loans are purchased by the Department of Education. Interest rates for the consolidation are based on that year's student loan rate, which is in turn based on the 91-day Treasury Bill rate at the last auction in May of each calendar year.

Student loan rates can fluctuate from the current low of 4.70% to a maximum of 8.25% for federal Stafford-loans, 9% for PLUS loans. Upon consolidation, a fixed interest rate is set based on the then-current interest rate. Reconsolidating does not change that rate. If the student combines loans of different types and rates into one new consolidation loan, a weighted average calculation will establish the appropriate rate based on the then-current interest rates of the different loans being consolidated together.



Federal student loan consolidation is often referred to as refinancing, which is incorrect because the loan rates are not changed, merely locked in. Unlike private sector debt consolidation, student loan consolidation does not incur any fees for the borrower; private companies make money on student loan consolidation by reaping subsidies from the federal government.

Student loan consolidation can be beneficial to students' credit rating, but it's important to note that not all federal student loan consolidation companies report their loans to all credit bureaus.


United Kingdom
In the UK, Student Loan entitlements are guaranteed, and are recovered using a means-tested system from the students future income. Student Loans in the UK can not be included in bankruptcy, but do not affect a persons credit rating because the repayments are recovered from the students future salary at source by the employer before any income is paid, similar to income tax and national insurance contributions. Many students however, are struggling with debt well after their courses have finished

The level of personal debt in the UK has also risen astonishingly in recent years:
"Total UK personal debt at the end of February 2008 stood at £1,421bn. The growth rate increased to 8.9% for the previous 12 months which equates to an increase of £111bn.

Concerns

In recent years, reports in the media have raised concerns about the use of consolidation loans. The worry is that many people are tempted to consolidate unsecured debt into secured debt, usually secured against their home. Although the monthly payments can often be lower, the total amount repaid is often significantly higher due to the long period of the loan. Debt consolidation sometimes only treats the symptoms of debt and does not address the root problem. In some circumstances, snowballing debt may be a better solution.

Alternatives

Other options available to overburdened debtors include credit counselling, debt settlement, and personal bankruptcy. Some consolidation lenders will renegotiate with the creditors on the debtor's behalf, as a credit counselor does.

Have a great day guys!

234 comments:

«Oldest   ‹Older   1 – 200 of 234   Newer›   Newest»
Bart said...
June 20, 2011 at 9:45 PM

well hello! heh... ellloo thats quite the post, where ya from in canada though?

phosports said...
June 20, 2011 at 11:39 PM

thanks for all the tips

-E- said...
June 21, 2011 at 12:38 AM

good info.

HiFi said...
June 21, 2011 at 2:14 AM

private companies make money on student loan consolidation by reaping subsidies from the federal government.<----

This really caught my attention.

UK must have it real bad judging by the student riots I've seen on TV.

This is a very interesting topic.

Solsby Kid said...
June 21, 2011 at 2:54 AM

Great info! Thanks! :)

JayPower said...
June 21, 2011 at 4:19 AM

Very informative ;D

thenitefalls said...
June 21, 2011 at 4:30 AM

Who needs student loans when there's FAFSA :D

Kicking Rocks said...
June 21, 2011 at 7:08 AM

i hate loan sharks.....

Bunny Hill said...
June 21, 2011 at 10:22 AM

gotta watch out for those

Germs said...
June 21, 2011 at 10:54 AM

Very informative and helpful post

mmmpieohyeah said...
June 21, 2011 at 12:05 PM

seems a little risky... have to handle this with care

Kamatacci said...
June 21, 2011 at 12:40 PM

All my college crap is finally paid off. Feels good

RedHeadRob said...
June 21, 2011 at 1:21 PM

That is amazingly useful info :D

Copyboy said...
June 21, 2011 at 3:15 PM

Darn! Why wasn't I in a british colony?

Ryan said...
June 21, 2011 at 5:05 PM

SIQ POST BRO!!!

The_illustrative_Mind said...
June 21, 2011 at 5:32 PM

Thanks for the post.

Jblogger said...
June 21, 2011 at 6:59 PM

interesting

Necroticism said...
June 22, 2011 at 12:48 AM

Oh those damn loans ;(

Jack of Diamonds said...
June 22, 2011 at 2:58 AM

This is very helpful, thanks!

linkszee said...
June 22, 2011 at 3:21 AM

Good post with lots of info! i have to look into the student loan consolidation for in the U.S. but just thinking about it makes me cringe.

Rudolf said...
June 22, 2011 at 8:21 AM

great post!

Red13 said...
June 22, 2011 at 8:34 AM

student loans....ugh

WOODLOUSE said...
June 22, 2011 at 4:28 PM

Thank you, I learned a lot!

Magixx said...
June 23, 2011 at 3:19 AM

nice info, keep it up!

Zach said...
June 24, 2011 at 5:49 AM

Great info, loved the loan 'shark' picture

Steve said...
June 24, 2011 at 12:55 PM

I dont see why a student would need to have a loan. Here in Belgium if you(or your parents) dont earn a certain amount then your college education is basicly free except for the books..

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It’s a big help for students and parents who are not able to support their studied in college.

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