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0answers
44 views

Who can I consult about paying off my student loan?

I'm looking to pay off my student loan as soon as possible. I've been making responsible payments into my loan for years now, and I've been making lump sum payments into my loan each time I come ...
-3
votes
1answer
56 views

Consolidate or pay off

I have two large credit cards at 12.95%. I can get a loan for the balance at 13.95%. Am I better to consolidate the debt of both cards or just pay off the cards as is.
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2answers
152 views

How to take care of multiple student loans (consolidation, payment strategies)

I've freshly graduated college. Here's my current standing: I estimate ~ $1200/month in free cash after bills/entertainment/etc. My loans are as follows (all US based): 1: Perkins Amount: 3,240 ...
5
votes
1answer
300 views

Refused for Debt Consolidation Loan. Why would I be denied this loan?

I have numerous maxed-out credit cards and a half-used store account and I'd like to pay them all off with a consolidation loan, to reduce the interest I'm paying and clear them all up quickly. I'm ...
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1answer
83 views

Is it possible to re-consolidate student loans after marriage?

I consolidated my student loans down to two (for the Sub and Unsub halves) shortly after graduating college a few years ago. My wife never consolidated her loans. Is it possible to consolidate hers ...
2
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1answer
37 views

Re-financing/consolidating multiple student loans for medical school?

Currently my friend has 5-6 loans for medical school in the 6.8% to 7.9% interest rate. The loans are of type Stafford, Unstafford, Plus, and a few others. I looked at ...
0
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1answer
503 views

Can my company buy my personal debt?

I owe $50,000 to my mother and father, who have helped me consolidate my debt over the years. Can my business buy my debt from my parents for the full amount I owe and then forgive me from having to ...
10
votes
2answers
1k views

How can I determine if a debt consolidation offer is real or a scam?

A friend of mine recently attempted to go though debt consolidation. He received a phone call and was offered really good terms to consolidate his current debts. A promise was made that the company ...
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5answers
383 views

Can a debt collector deny a consolidation?

I've asked this question below... Can a debt collector garnish my wage without a judgment? but thought it be better the break these up into seperate questions... PHEA, who is acting as a debt ...
9
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3answers
2k views

Can a debt collector garnish my wage without a judgment?

I am going through student loan hell. Trying to consolidate loans and running into walls (repeatedly). I am getting overwhelmed. Can a debt collector garnish my wage without a judgment? I am trying ...
1
vote
3answers
333 views

Best strategy for paying off my multiple student loans?

I have a massive amount of student loans (master's degree overseas, basically traded the extra money for about 2-3 years of my life due to differing lengths of education). Now that I have a job and ...
6
votes
3answers
457 views

Would consolidating my student loans improve my credit score?

I graduated college a few years ago and have roughly $12,000 in student loan debt left. Even though I make 1 monthly payment, the loan shows up on my credit score as 6 installment loans. When I go to ...
4
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3answers
182 views

What options are there for consolidating a large amount of private student loan debt?

I'm currently in a weird situation - I have a large amount of accrued debt (85k principal, ~15k accrued interest so far), spread amongst multiple smaller student loans. Some are federal stafford ...
3
votes
2answers
131 views

Expected rate for unsecured consolidation loan + where to apply?

I have about $50K+ in credit card debt and am paying anywhere from 0% to 20% on it, depending on the card. How much can an unsecured consolidation loan lower my rate, assuming I can get one at all? ...
6
votes
1answer
195 views

Should I try to consolidate my student loans? If so, how should I do it? What traps should I watch out for?

I recently graduated with my Bachelor's degree in Computer Science. I now have student loans to pay off. I've heard that something that should be done with your student loans is consolidation, but I ...