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Each disbursement of funds you received will typically be reported on your credit reports as a completely separate account.
For many consumers this could mean you took out a new loan every single semester during your undergraduate and (if applicable) graduate studies as well.
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You might not be able to score a deal for the entire amount, but if you can get a fixed-rate personal loan to pay off some of the variable-rate student loan debt, that will offer you more stability.
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