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Our Client Asked:

Dear Advice Team,

I am considering consolidating my undergraduate Stafford Loan with my wife's (we are almost six years out of college). For me, it's not about reducing the payment, I plan to make the same payments we make now, but I would like to reduce the number of bills I have to pay and, more importantly, lock in an interest rate. I'm wondering if you could comment on the impact that this sort of consolidation has on our credit rating. We currently have excellent credit, but are looking to buy a house in the near future and don't want to damage our rating. -Frank

Frank,

You are correct, consolidation rates are relatively low and it may be wise to take advantage. Please note that there are a few disadvantages to consolidating your loans into More...

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Lesson Plans

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In this lesson, students read a story about a young girl named Sara. Sara has always made gifts for her family for special occasions. For Mother's Day, Sara decides she wants to buy a gift for her mother. After reading and discussing the story, students will create a booklet in which they've illustrated Sara's short-term savings goal and their own short-term savings goal.

Bingo Brown's girlfriend has moved to Bixby, Oklahoma. Another girl, Cici, has decided that she likes Bingo, but Bingo's friend, Billy Wentworth, likes Cici. It is up to Bingo to try to make everything work out.

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