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Note: To identify the browser currently running on your computer, use the "Help" menu item on your browser and select "About [your browser name here]".You must have an FSA IDto access all services offered by this Web site.When college students leave school, they can borrow a Direct Consolidation Loan to combine various federal student loans taken out while in school into one loan and make one low monthly payment.Direct Consolidation Loans are not subsidized, meaning the government does not pay the interest on the loan when the student is enrolled in school or when the loan is in deferment.

But if you switched majors, transferred colleges, or went on to graduate school, you may be among the 19% that owe ,000 and above, or the 5.6% who owe more than 0,000.

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When the grace period ends, though, you are required to make monthly payments of principal and interest.

Unfortunately, subsidized loans are only available to undergraduate students.

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