I am looking for some advice on what to do. My grad school loans are coming out of deferment. I was planning on applying for another deferment as I am not working.

Should I conddolidate then apply for deferment? or

Should I apply for deferment then when I am able to pay or deferment period is up and consolidate then???


Thanks for any advice you can offer.

^^^

Since it's now peak time for consolidation and it may take a bit longer then normal, I would personally recommend applying for a deferment and then applying for a consolidation.

If you consolidate while in a deferment status, some loans may have a slightly lower interest rate, which would mean a lower rate on your consolidation loan.

You can very likely get up to 36 months of unemployment deferment if you are seeking full-time employment and registered with an employment agency.

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