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Hello,
I'm interested in consolidating my 4 federal loans into one. In ligthly extending the term 2 years I can save a good chunk on the monthly payment. It doesn't look like there's any credit impact (as in no inquiry). However, how does this impact my credit really? Is it a new account that would ding my AAoA? Does it reflect poorly in the eyes of a mortgage lender. I'm looking at late fall (7-8 months out) to go through the process, and I don't plan on doing anythign remotely credit-related in the 6 months leading up to that.
Any feedback is appreciated.
Thanks!