Loan questions

Hey everyone! I've finished off school this June (Undergrad, Environmental Science). A lot of the monies that I used to pay for school was from my mom (which yes, I do need to repay back at some point), so I have very little actual student loans ($15,500).

I'm mostly just wondering how debt consolidation works, is it even worth it for such little debt? The total amount of money is divided up into 3 loans, for the three years at was at a non CC uni.

  1. $4,500 at 4.99%

  2. $5,500 at 5.50%

  3. $5,500 at 6.53%

Another question: If 6 months from graduation is supposed to be december, why does it say that my first repayment is supposed to be in Feb?

Posted Nov 5, 2025, 1:55 AM UTC

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