Does consolidating student loans hurt my credit score

“It’s not good to do any sort of applying for other loans in the middle of when you’re trying to get a loan,” Mc Rae said.

You can keep tabs on where you stand by getting two free credit scores, updated every month, on

While some may believe that deb consolidation is something to avoid, it is actually very good news for your credit score.

Taking out a new loan to pay off other loans does add one more loan to your credit history, but it also removes the older loans and marks them as paid in full.

(Federal Direct consolidation loans average the interest rates of the loans being consolidated to determine the APR on the new loan, but you might be able to qualify for a lower APR by refinancing with a private lender.

Keep in mind that consolidating federal loans with a private loan means you lose some of the repayment flexibility offered through the government.) Say you have multiple student loans, and each of those loans has a 10-year repayment term, you could consolidate them into a 20-year repayment term and reduce your monthly student loan obligation.

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