A debtor�s new fixed interest rate is taken from the average of all the student loan rates being consolidated, with a maximum of 8.25%. The debtor can choose which and how many of his or her student loans to submit for consolidation. There are, however, risks a debtor takes by opting to consolidate debt, home equity loan rates fixed:
http://www.great-blog-articles.com - critical ilness cover. Spreading out one�s debt over time may increase the time it takes to pay back one�s debts, making the total cost higher than the original amount.