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If you want a personal loan to pay off credit card or other debt, the absolute fastest and most effective way to lower the interest you pay is to apply for a balance transfer, with a 0% rate.
(i) A covered short-term loan is the first loan in a sequence if the loan is extended to a consumer who had no covered short-term loans outstanding within the immediately preceding 30 days;
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The income-based repayment (IBR) plans are only available to qualifying graduates.
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Even though those loans might gain some interest, by paying off higher interest debt, you;ll be freeing up even more money to devote to those later.
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