Conslidating

Like many federal loan borrowers, you may have both FFEL and Direct Loans. Once these loans are consolidated, you will have repayment options, some which lower your monthly payments, from which to choose. Consider the advantages and disadvantages carefully before you act.Once you consolidate, you are locked into a loan with a fixed interest rate. Therefore, if you consolidate your variable interest rate loans and the interest rates drop the following year, you have "locked" into the higher interest rate for the life of the loan.Lower Monthly Payment Consolidation loan monthly payments are lower because the repayment period is longer.Loss of Deferment and Forgiveness Benefits You may not be eligible to receive the same deferments on your Consolidation Loan that you were eligible to receive on your original loans.Copyright © 2016, 2011 by Houghton Mifflin Harcourt Publishing Company.Published by Houghton Mifflin Harcourt Publishing Company. The ranges can exist in the same worksheet, in different sheets in the same workbook, or in different workbooks.

However, if you consolidate all those loans, you make a single payment to one loan serviser.

While you are not allowed to consolidate private loans into a federal consolidation loan, avoid the temptation to consolidate your federal loans into a private consolidation loan; you may lose some valuable benefits available in federal student loan programs.

THE AMERICAN HERITAGE® DICTIONARY OF THE ENGLISH LANGUAGE, FIFTH EDITION by the Editors of the American Heritage Dictionaries.

However, linking formulas may consume more memory than you want—especially when you're dealing with several large ranges of data.

Another way to summarize and manipulate data is by creating an Excel pivot table.

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Using the Pivot Table Wizard makes this task fairly easy, but a pivot table might be overkill if all you want is a simple summary of data from multiple worksheets. This command—located on the Data menu—is quite versatile.

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