In one sentence, describe what the following article is about: It’s important that you continue making your existing payments as you complete the consolidation process. Until you’ve been informed that your loans have been paid off and your consolidation loan has taken effect, you are legally required to make those payments. Most federal student loans do qualify, but it’s important to make sure that all of your individual loans will be included. The following loans qualify:  Direct Subsidized Stafford Loans Direct Unsubsidized Stafford Loans Direct PLUS Loans PLUS loans from the Federal Family Education Loan (FFEL) Program Supplemental Loans for Students Federal Perkins Loans Federal Nursing Loans Health Education Assistance Loans Go to https://studentloans.gov/myDirectLoan/index.action. The application process is simple, since the Department of Education will already have all of your personal information and records of all your federal loans. Again, you should avoid consolidating your federal loans through private lenders. If you do not stay with the Department of Education, you’ll lose access to many resources and benefits, and you will probably pay more. Once you’ve completed the application process, the Department of Education will provide you with a summary sheet, which lists all of the loans you are consolidating. Review this document carefully.  If everything looks correct, you don’t need to do anything. After fifteen days, the Department of Education will process your loan. If anything looks amiss – if the numbers are off, or if any of your federal loans aren’t included – contact the Department of Education within fifteen days of the date on the summary sheet. Once your consolidation loan is approved, you must choose a repayment plan. If any of your loans were in default, you’ll choose one of the three income-based options – either IBR, Pay-As-You-Earn, or ICR. If none of your loans were in default, you can choose any of these six plans:  Standard Repayment. You’ll make regular payments that are calculated so that your loan will be paid off within ten years. Many people who consolidate find that they cannot afford the standard plan, but if you can, it’s the most cost-effective option. Graduated Repayment. You’ll make payments that start out low and increase every two years, so that you pay the entire balance in ten years. If you don’t make much money but expect your income to increase regularly with time, this is a solid, cost-effective option. Extended Repayment Plan. You’ll make lower payments, but you’ll continue making them for 25 years. This option is only available if your loan amounts to more than $30,000. Income-Based Repayment (IBR). You’ll make payments for twenty-five years, and after that, any remaining debt will be forgiven. Your payments will not exceed 15% of your discretionary income. Pay-As-You-Earn Repayment. You’ll make payments for twenty years, and after that, any remaining debt will be forgiven. As with IBR, your payments will not exceed 15% of your discretionary income. Income-Contingent Repayment (ICR). You’ll make payments for twenty-five years, and after that, any remaining debt will be forgiven. Your payments will not exceed 20% of your discretionary income. Now that your federal loans have been consolidated, it’s important not to neglect your payments. If you go into default, your credit rating will suffer, and you’ll lose your access to further federal student aid – in short, you’ll reverse the positive effects of your consolidation.
Summary: Continue making your payments. Determine whether your loans qualify for consolidation. Apply online. Read your summary sheet carefully. Make arrangements for repayment. Make your payments as required.

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One-sentence summary -- Add a nut for longer screws (optional).

Problem: Article: If you don’t know the person that you’re buying from, avoid giving them important details, such as your bank account information, address, social security number, or passwords. If the buyer or seller asks for any information that you don’t feel comfortable giving out, avoid working with them.  If you ever feel uncomfortable by what information a buyer or seller asks from you, avoid working with them. Never put your information in a private message to a buyer or seller on sites like Etsy, Craigslist, Facebook, or eBay. Credit cards usually have zero-liability policies, which means you won’t have to pay for transactions that you didn’t authorize if someone steals your information. Since debit cards don’t have the same liability protection, delete any debit information you have saved on the marketplace and replace them with the credit card you use.  Sign up for fraud alerts through your credit card company so you can get notified if any charges don’t seem correct. Pay off the credit card as soon as you make a purchase so you aren’t charged additional interest. You may also use PayPal to make purchases on sites like eBay or Etsy. If you’re buying, only bring the amount you agreed upon paying so the other person doesn’t try to drive up the price. When you’re selling, tell the other person you want cash and be firm on your asking amount. Keep a few smaller bills on you in case you need to make change.  This works best for buying or selling items through Facebook Marketplace or Craigslist. Only exchange money after you have given or received the product. That way, the other person can’t steal from you. Create an account using a secure payment app, such as PayPal, Venmo, or Cash App. Connect your bank account or debit card to the app so you’re able to access your funds. Make sure the transaction goes through completely before exchanging the product. Set up the funds so they deposit into your bank or keep them on the app for future purchases. Don’t give out your login information since other people could access your funds. Many scammers use money transfer services to request funds, and they may try to steal information or take your money without sending the product. They may also use fake checks or not have enough funds, which can get you in trouble with your bank when you try to cash them. If the person requests you pay or accept money using either of these methods, avoid working with them or try to recommend a more secure method. Many scammers will request these forms of payment through Craigslist or Facebook Marketplace Avoid using wifi networks that aren’t password-protected since anyone else can access them and potentially find your information. Always log into a wifi network with a password or use the data services on your phone if you need to make a purchase. You don’t have to worry about your information if you’re plugged directly into your router or modem since it’s already protected by a firewall.
Summary:
Don’t give out personal information to untrustworthy buyers or sellers. Use a credit card rather than a debit card when you’re buying. Opt to use cash when buying or selling in person. Use a person-to-person payment app if you don’t have cash. Avoid using money transfers or checks whether you’re buying or selling. Make purchases over secure Internet connections.