6A = THE UNIVERSITY DAILY KANSAN
NEWS
FRIDAY, NOVEMBER 1,2002
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Covington said there were certain aspects of consolidation to be aware of and students should look at the benefits and disadvantages of different repayment plans.
choose the best lender based on the discounts and incentives available, and to keep in mind that they can not consolidate again.
Incentives offered by Direct Loans include possible percentage deductions in payments.
Exp. 11/19/02 We accept Visa & Mastercard
Block gave the same warning.
One possible disadvantage of consolidation was that reducing monthly payments and increasing the number of years in a repayment plan could increase the amount one has to pay, Covington said.
Loan consolidation can lock in low rates
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"Remember: the longer you take to pay off your loan, the more you'll pay in overall interest," she said. "So extending your loan could wipe out the savings from lower rates."
By Erin Beatty
ebeatty@kansan.com
Kansan staff writer
Most graduates choose to consolidate with them, because that's where their loans are from, she said.
Students who have federal loans and plan to graduate in December might want to start considering options for loan consolidation.
Loan consolidation combines several loans into one bigger loan from a single lender, which is then used to pay off the balances on the other loans.
Recent graduates who consolidate during their grace periods — the six-month window graduates are given before they have to start repaying their loans — could lock in interest rates as low as 3.5 percent, according to Sandra Block, "Your Money" columnist for USA Today.
ate director of the Office of Student Financial Aid, said most KU students' federal loans were from the lender, Direct Loans.
Consolidation loans are available for most federal loans, including Stafford, PLUS, Perkins and Direct loans.
If all of a student's loans are from Direct Loan, the student must consolidate with that lender; however, if students have loans with more than one lender, they can consolidate with any lender.
Consolidation loans often reduce the size of the total monthly payment by extending
the term of the loan beyond the 10-year repayment plan that is standard with federal loans, according to www.finaid.com.
Michael Blue, Lawrence senior, said he would consolidate his $7,000 or $8,000 in loans. Blue said he intends to consolidate, but has not begun the application process.
Fred Pereira, senior loan consultant at College Loan Corporation, said students could choose from repayment plans that last anywhere from 10 years to 30 years.
He said one disadvantage of not consolidating loans was that students would be subject to a variable interest rate, instead of locking in the current low rates.
Stephanie Covington Student Financial Aid associate director
On July 1, the interest rate on federal student loans dropped to a 40-year low with 95 percent of students paying interest rates ranging from 4.125 percent to 4.875 percent, he said. The new rates will remain in effect until July 1, he said.
Stephanie Covington, associi-
"Remember: the longer take to pay off your loan, the more you'll pay in overall interest. So extending your loan could wipe out the savings from lower rates."
Block said students should
Edited by Andrew Vaupel
Wind Energy
CONTINUED FROM PAGE 1A
Facilities Operations, said. The University currently receives its coal-generated power from Westar Energy in Wichita.
"Westar provides two main lines for electrical service to the main campus and we would look at those two services first for an alternate energy source," he said. "As long as they offer a cheaper rate, we would have interest in the project."
But Riat said some problems stand in the way of KU switching to wind power.
Because Kansas Wind Power is not recognized as a retail utilities provider by the Kansas Corporation Commission, the company would have to use another company's transmission system to transport the electricity from the wind farm to campus, he said.
Kansas Wind Power has not spoken to Westar about the possibility yet, Helming said.
Some students would like to see KU's campus use an alternative energy source. Trisha Shrum, student senator and Olathe sophomore, is trying to make the conversion to wind energy a reality. Shrum is preparing a resolution to propose to Student Senate in their next cycle.
"The decision lies with the administration, but I would like them to see the representatives of the student body support
Trisha Shrum
Olathe sophomore
wind energy," she said.
Large institutions are especially important in the movement toward renewable energy. Shrum said.
"Since we use so much energy, we have more choice in where we get it from," she said. "I would like KU to be part of the progressive movement toward renewable energy."
— Edited by Lauren Beatty
Ryder's attorney berates witness
BEVERLY HILLS, Calif. — Winona Ryder's attorney attacked the testimony of a witness in Ryder's shoplifting trial yesterday, accusing the former store security guard of profiting from the case and making up stories.
Witness Colleen Rainey denied the claims by attorney Mark Geragos.
Ryder, 51, is charged with felony grand theft, burglary and vandalism for allegedly stealing more than $5,500 worth of merchandise from the Beverly Hills Saks Fifth Avenue on Dec. 12, 2001. She faces up to three years in prison if convicted.
The Associated Press
read about it in the basketball Nov. 4th preview
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