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For anyone interested in money between the ages of 18 and 30. Sunday, August 31, 2008. Government Student Loan Consolidation - Pros and Cons. The Pros And Cons Of Government Student Loan Consolidation. Typically student loans are paid over a period of time between 15 and 30 years. The interest that accompanies these students loans is variable. The downside to this is that with a long term plan, in years 15 to 30 you may end up having to pay significantly higher rates of interest than you did in y...Howev...

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