College Raptor Staff

Applying to college can be challenging, and so we at College Raptor feel it's our duty to make that process as easy, smooth, and rewarding as possible. We work hard to clarify dense material, dispel myths, uncover information, and help you learn what you need to know!
Federal consolidation loans can be a huge relief to students with loans
student loans

9 Important Facts About Federal Consolidation Loans

By College Raptor StaffLast updated on February 25, 2025
Federal Direct Consolidation Loans are a type of loan that merges multiple federal student loans into a single loan. The single biggest advantage of federal consolidation loans is that you only have to make a single monthly payment as opposed to making multiple payments on different days of the month. It’s definitely more convenient and …
What exactly are direct consolidation loans
student loans

What Are Direct Consolidation Loans?

By College Raptor StaffLast updated on December 22, 2022
Direct Consolidation Loans are one single loan that you end up with if you choose to combine multiple federal student loans. Advantages of Direct Consolidation Loans The main reason why students combine their federal student loans into a single Direct Consolidation Loan is convenience. Borrowers who refinance and consolidate their loans only have to keep track …
Three people having a meeting while looking at the laptop.
careers & internships

The Difference Between Internships And Fellowships

By College Raptor StaffLast updated on December 22, 2022
Though some use the terms interchangeably, internships and fellowships differ in quite a few ways. Let’s break down the differences. Internship vs Fellowship An internship is essentially an opportunity for students to gain work experience in a field they are interested in pursuing. Some students may do internships to get a first-hand look at a …
A white sign with text that says "exit" with an arrow pointing left.
questions & answers

What is Student Loan Exit Counseling?

By College Raptor StaffLast updated on March 24, 2025
When you take out federal student loans, you are required to start paying them back through monthly payments, starting a few months after you graduate (if not sooner). For most student loan borrowers, the process of paying back their loans can be even more baffling than the process of applying for loans. What are the …
A student writing in a small notepad with a laptop next to them.
questions & answers

What is the PSAT/NMSQT and why does this test matter?

By College Raptor StaffLast updated on January 8, 2026
Key takeaways The Preliminary SAT/National Merit Scholarship Qualifying Test (PSAT/NMSQT) is the test used to qualify for the National Merit Scholarship Program. Only high school juniors can qualify for National Merit Scholarships, though sophomores can take the test for practice. High scores can lead to recognition such as Commended Student, Semifinalist, or Finalist status. The …

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