When a student has a consolidation loan, the school can determine his or her remaining loan eligibility by using the original principal loan amount minus any payments made.

Note: The outstanding balance on the subsidized and unsubsidized portions of the consolidation loan is considered when determining the borrower's subsidized and unsubsidized loan limits. For example, if a consolidation loan contains an unsubsidized portion, the outstanding balance on the unsubsidized portion of the consolidation is considered in determining the borrower's unsubsidized loan limit.

Schools can determine the subsidized and unsubsidized portion of the consolidation loan:

1. reviewing the borrower's consolidation paperwork.
2. contacting the Loan Origination Center/ Loan Consolidation Department.
3. using the National Student Loan Data System (NSLDS).

If data is available on NSLDS, schools may be able to view the underlying loans in the consolidation loan to determine the loan type. Schools can access NSLDS online and find the loans that were paid off through consolidation by selecting all loans with a status code of PC (paid through consolidation).

As you prepare for one of the biggest (and best) days of your life, you may be worrying about money. The ceremony, reception, and honeymoon are expensive, but you might be surprised to learn that getting married can save you money in unexpected ways.

Car Insurance. Marriage can lower your car insurance rates. Married people are considered safer and more stable because of their new commitment and responsibilities, and this can translate into discounts. As a couple, you may qualify for reduced car insurance rates with the same coverage. You could also earn a multiple car discount if you combine both your cars on the same policy. Depending on the driving records and cars of you and your spouse, you may get a better car insurance rate with separate policies. If one of you has a bad driving record, you might get better rates by taking a safe driver course. The only way to know for sure is to compare car insurance quotes from different companies.

New Home or Apartment. If you’re moving to a new house or apartment, your new ZIP code could get you lower car insurance rates. If it’s closer to where you work or places you visit often, a new location could also lower the car insurance quotes you get. That’s because you could qualify for a low-mileage discount on your car insurance, something to look for if you or your spouse will stay at home.

• Other Insurance. Be aware that you may need to look for different insurance that covers your new wedding gifts and rings. Although your insurance rates might go down in general, you’ll want to consider adding other types of insurance and higher coverage amounts. Remember, you have more assets to protect now, so you’ll need to examine all of your options. Keep in mind that you might get better rates if you buy multiple types of insurance from the same company.
• Life Changes. Whenever you have changes in your life, it’s a good idea to see if your insurance rates have changed and if you need different coverage. Life insurance, home or renters insurance, disability insurance, beneficiaries… it can seem overwhelming, but our many informative articles can help you understand insurance. With all the changes in your life, you’ll need to shop around, which is easy with Insurance.com’s free online car insurance rate tool.