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Making only the minimum monthly payment could mean it will take longer to pay off your credit card(s).You should refer to your credit card statements for payment information.

This reduces the chances that you might miss a payment and increases the likelihood of securing a better rate on your loan.

Before you decide whether student loan consolidation is right for you, take inventory of your existing loans. Research some of your available options to get a reasonable estimate of the interest rate you can expect to pay, or take advantage of an online student loan consolidation calculator to see how your monthly payment might change.

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Her straining pocketbook held the financial equivalent of a Baskin Robbins — it looked like she had an entire 31-flavor buffet of credit cards.