Private Loan Consolidation
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1 Private Loan Consolidation Guiding Students through Repaying their Private Loans Presented by: Jane Lemke: AVP, Account Executive, Wells Fargo Education Financial Services Concepta Williamson: Account Executive, Charter One Bank
2 Agenda Let s Start the Discussion: Audience Questions Private Student Loans Past & Present What is a Private Consolidation Student Loan? The Benefits of Private Student Loan Consolidation What Borrowers Should Know Should You Consolidate? Guidance for Families Beyond the Financial Aid Office Discussion
3 Let s Start the Discussion What questions about consolidation/refinancing has your office received from students and families? How is your office currently counseling students in the area of refinancing/consolidating private student loans? What information are your sharing? Other questions
4 Private Student Loans Past & Present** Question: Why can t a lender just adjust a student s private loan payment to make it easier for students to pay their private loans when they run into difficulty? Bank regulations ensure that banks are providing product that help families succeed Rigorous Underwriting
5 Private Student Loans Past & Present** TransUnion Study: Private Loans , delinquencies declined from 6% in 2009 to 5.33% in 2012 Federal Student Loan delinquencies though increased from 9% in 2009 to 12.31% in 2012.
6 What is a Private Consolidation Loan? New, credit-based loan, to pay off multiple private education loans refinance Subject to private credit laws, truth-in-lending rule and HEOA Disclosures
7 The Benefits of Private Student Loan Consolidation Payoff multiple loans and establish one monthly payment with new loan Reduce monthly payment Extending the term to repay your loan Shorten the time to pay back your loan Release cosigners on existing loans Reduce current interest rate Select fixed interest rate
8 What Borrowers Should Know Borrowers should establish a clear understanding of benefits and disadvantages When can I complete my Private Loan Consolidation What are the credit and eligibility requirements Cosigner requirements Pricing and fees Interest Rates Fixed and Variable options
9 What Borrowers Should know (cont.) Minimum and Maximum loan amounts Repayment Terms and Options Borrower benefit programs ACH Cosigner release Discounts (Upfront or during Repayment) Prepayment Penalty
10 What to Consider about Private Consolidation Loans Consolidating Federal Loans with Private Loans What happens if I return to school? What happens if Life happens and I run into trouble making my payments? Death and Disability Benefit Reminder: Private Loan Consolidation is not a way to get current if the borrower is behind on payments.
11 Should You Consolidate/Refinance Private Student Loan(s) Qualify in today s credit environment Takes longer to pay off Higher overall loan cost Potential for higher interest rate* *The lender may determine the Private Loan Consolidation is more costly than the borrower s multiple loans, and the lender may determine it is in the borrower s best interest NOT to consolidate their loans.
12 Application Process for Consolidating/Refinancing Private Student Loans Application completed identifying all loans New loan, new rate based on current credit Paying off the underlying loans must occur New loan is final
13 Guidance for borrowers Private Loan Consolidation calculators Consolidation Lender Lists Examples include: ELM or FASTChoice Exit Counseling
14 Beyond the Financial Aid Office Alumni Offices Career Services Campus Human Resources
15 Questions/Review Wrap up What questions about Private Student Loan consolidation/refinancing has your office received from students and families? How is your office currently counseling students in the area of refinancing/consolidating private student loans? What information are your sharing? When are you sharing information with borrowers? Other questions
16 **Industry News/ References: banks-shouldnt-write-off-the-student-loan-market html 1.ppt
17 Thank you for your time today Concepta Williamson, Account Executive, Charter One Bank Jane Lemke, Account Executive, Wells Fargo Education Financial Services
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