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You have the option of paying back according to your convenience but if you do so electronically you will get a rebate of 0.25% on the loan rate.
It is also more convenient as this will be paid regularly from your account and there is no question of your missing out on a payment or forgetting about it.
You have only one deadline to think about every month.
If there are several loans to pay back and several deadlines to remember you may tend to forget one of them and get into trouble for non repayment of a loan and get a bad credit.
When you apply for a merger of your student loans there is no requirement to check your credit card nor is there a rigid method of paying back.
To name a few; You have to pay a lesser amount towards the loans every month.
As all your loans have been merged into one loan, you have to pay a smaller amount every month towards your single loan.
The new loan will pay off all of your existing debt at the various banks.
You’ll then just have one large loan to one private bank.
Know more about the consolidation of a student loan If you have more than a single student loan and are getting bogged down with paying several installments every month, you could make it easier for yourself by changing this into one single loan and paying just one installment.