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If you need to add a loan, you can cancel your existing application and reapply with the additional loan(s).Once you apply, it can take from 30 to 45 days to process.In the UK student loan entitlements are guaranteed, and are recovered using a means-tested system from the student's future income.Student loans in the UK can not be included in bankruptcy, but do not affect a person's credit rating because the repayments are deducted from salary at source by employers, similar to Income Tax and National Insurance contributions.

You can choose to consolidate one, some or all of your eligible student loans.Find out if student loan consolidation is right for you.You will have 30 days, from Approval Disclosure, to accept the loan terms and a three-day right-to-cancel period, following Final Disclosure, before the consolidation is complete.Personal loans comprise another form of debt consolidation loan.Individuals can issue debtors a personal loan that satisfies the outstanding debt and creates a new one on their own terms.

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