Hi my name is Park Brees I am the Managerof Business development for Bills.

Com I am going to speak about student loan consolidation.

There are two types of student loan consolidations, there’s a Federal and a Private.

The Federal student loan consolidation requires that you, student loans not be in defaultand that you have not previously consolidated your student loans.

The interest rates onthe student loans are set by the federal government so they will be set it does not matter whichlender you go with.

Then there's a Private student loan consolidation.

Private student loan consolidations actually come with different interest rates dependingupon which lender you go with also the criteria for consolidating your Private student loansmeans that you have to have a good FICO score, a qualifying debt to income ratio, and a qualifyingpast credit history.

Now if you can't qualify on your own Private student loan consolidationsallow a co-signer.

So in conclusion, there are federal loanswhich have a set interest rate set by the government and then there are Private studentloans that have interest rates that vary lender to lender.

Again my name is Park Brees andI am the Manager of Business development for Bills.

Com thank you.