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Education is not getting cheaper and making arrangements with your college can be a huge challenge, more so if you have a bad credit history. The creditors may have a lot at stake in offering you such student loans. It could be an investment into a potential future client. student loan debt consolidation As a free individual it is your right to get the best education possible and financing it should not be a hurdle for you. The lender is also relatively secured when it comes to such loans. You can call the creditor or pay them a visit and they can guide you on how to defer the loan. While some lender would allow you to defer the loan several times, each time they would bump up your interest rates.