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      They usually have lower premiums than excess lines and can sell directly to individuals. If the student combines loans of different types and rates into one new consolidation loan, a weighted average calculation will establish the appropriate rate based on the then-current interest rates of the different loans being consolidated together. Federal student loan consolidation is often referred to as refinancing, which is incorrect because the loan rates are not changed, merely locked in. Nevertheless, unscrupulous dealers sometimes prey on unsuspecting individuals by offering them GAP insurance at

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an additional price, on top of the monthly payment, without mentioning the State's requirements. In addition, some vendors and insurance companies offer what is called "Total Loss Coverage." This is similar to ordinary GAP insurance but differs in that instead of paying off the negative equity on a vehicle that is a total loss, the policy provides a certain amount, usually up to $5000, toward the purchase or lease of a new vehicle






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