Just completed my doctoral degree and I have student loan debt in excess of 200K. I work for a non-for-profit organization working with the underserved and I make very little money, for now. My loans are due to begin repayment in a few months and I do not know where to start as far as what options are available to me. I know of the programs but one of the major problems is I have multiple lenders. I consolidated my loans a few years ago, per the recommendations of my school, as interest rates were going up substantially. Some of my loans, the primar lender would not allocate to the consolidation company (3.5% interest rate); next, a few years later my primary lender stopped providing graduate student loans and I had to use another primary lender. Therefore I have 3 primary lenders and this is a major problem going forward.
What type of counselling or financial advisement is available for recent graduates with advanced degrees and excessive student loans? Where do I start and who can help me by providing me with my options going forward?
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