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The student loan market is massive and keeps on getting bigger every year.

Part of this is due to the rising costs of college tuition and part is due to the number of people attending college.

Student debt has reached an all-time high in the U. of late, with an estimated 40 million people now owing an average balance of ,000, according to credit report company Experian.

With student loans soaring, debt-saddled students and graduates are desperate for any strategy that may help them escape their burden.

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While the costs have gone up, the importance of getting a college degree is still there.

Without getting some kind of education after high school your chances of getting a good job or making a decent wage decrease dramatically.

Because of this, many people who are interested in going to college have to explore different options for coming up with money to pay for school.

Based on the amount of federal student loans you combine, you may be eligible for up to 30 years to repay your student loans.

Direct Consolidation sets a fixed interest rate based on a weighted average of the interest rates on the loans being consolidated, rounded up to the nearest one-eighth of 1%, capped at 8.25%.

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