Consolidation Help Center
Student Loan Consolidation knowledge base
Which company has the best student loan consolidation rates? I have a subsidized student loan in the amount of $11,460.55, does anyone know the names of specific companies that have the best consolidation rates at this time? What are those rates? Well maybe I should ask, "which company offeres the best incentives and rate deductions"?
CURIOUS: What are your chances of getting approved for Federal student loan consolidation? Also, Do debt consolidation companies include federal educational loans into the consolidation? If you have a federal student loan, and the loan company offered a 1800 # for a consolidation company to take the loan and pay it?
What are some good Student Loan Consolidation Companies? These crooks known as Sallie Mae have screwed me. Two years ago I started receiving my student loans, and the interest rate at the time was only 2%. I even have a sheet of paper stating that. My total in loans was $42,000. I get my statement in the mail last week and suddenly I owe them $57,000 and they jacked up my interest rate to nearly 18%. I nearly cried. I called Sallie Mae right away stating, I cannot pay $688.00 a month it is just ludicrous. I only have a couple more weeks to find a cheap, but very respectable loan consolidation company. My sister uses Nelnet, but they haven't gotten back to me yet. For all of you college graduates what is a cheap, but VERY respectable and honest Student Loan Consolidation company? You can email me with details if you'd like. Thank You.
Does anyone have a private student loan consolidation with Education Finance Partners? Wanted to know if anyone is happy with the service they provide. Or are they like Salliemae where they rip you off and charge astronomical interest rates on student consolidation loans.
how does student loan consolidation work? I am wondering how student loan consolidation works,,, once i consloidate my loans do i get a sum of cash? i know i have gotten offers that say up to $2000 now if you consolidate. does that mean i get $2000 for myself, or do they take that off the ammount of the loan.
What is the best Private Student Loan Consolidation Program (substantial debt!!)? Is there anyone who knows of any good PRIVATE Student Loan consolidation program? Most lower your payments but do not lower your interest rate. I am looking for a lower interest rate.
What are the current student loan consolidation rates? What are the current rates, and with the fed cutting rates, what are the chances the student loan rates will decrease as well? And if so, when?
Is it possible to postpone student loan consolidation to wait for lower interest rates rates? I graduated 6 months ago with several federal student loans combining more than 40K. Is it better for me to consolidate now or stay put? Will the fed cutting lending rates (now 3%) affect the interest rates that loan consolidators offer? Will i be offered either variable or fixed rates if i consolidate?
What are some student loan consolidation companies for me to try? I have student loans I need to consolidate? My student loans are through Sallie Mae and they charge 100 dollars to get a forbearance on the loans so I need to consolidate with a different company.
What to do about student loan consolidation? Hi all. I graduated college last May and will begin repayment on my loans starting in November. I have 7 federal student loans, totaling about $62,000 and 1 private student loan totaling about $8,000. Many places are not offering federal student loan consolidation any more, and I only have one private student loan so it doesn't make sense to take out a private consolidation loan. As of right now, my payments are going to be about $800 monthly starting in November. I can't afford that! What can I do?
How does student loan consolidation affect your credit rating? I'm almost positive I am going to consolidate my student loans from college because the repayment starts soon, and it seems like my best option. I've heard that it's also supposed to raise your credit score immediately. Is this true? How much of an impact does it really make? Thanks!
How do I go about choosing which student loan consolidation program to go through and why consolidate? Current student trying to get a head start on paying off my loans which companies are the most legit and what should i look for? Also why should/shouldn't one consolidate?
Can you apply for a student loan after debt consolidation? if you already have one loan, what if it's differed due to disability? How does this work? Can you apply for a student loan after debt consolidation? if you already have one loan, what if it's differed due to disability? How does this work? At the time the first loan was taken out (it was for around 4,000 and it was to a school that was a scam, but they got away with itbecause they knew the ins and outs of pulling off their scam very well. . so I'm asking about applying for another loan / consolidation, not discussing the previous one.
Where Can I find Student Loan Consolidation guide? Does anybody knows best place to look for Student Loan Consolidation?
whats the best way to go about student loan consolidation? I have a bunch of student loans and i get a lot of junk mail about consolidating. Who is the best to use for consolidating? What type of payments and interest rates can i expect. I have about 8 different student loans out there, from 4 years of school. Some are private, some are federal.
Anyone know of a best place for private student loan consolidation? Hey there, I am looking to consolidate my private student loans, I have a total of about $30k. Anyone know of a place that offers the best interest rate? Thanks for any help.
How do I find out if "Goal Financial student loan consolidation center is legitimate? This is a lending firm for student loans is it an accreditated lending institution? Main office located @ 9477 Waples St. Suite 100 in SanDiego, Ca 92121
Can anyone recommend a good Student Loan Consolidation company? I owe about $8000 dollars in student loans from various companies and I would like to consolidate into one monthly payment. Any suggestions?
What's the difference between student loan consolidation companies? The guy on the phone is telling me that they all offer the same deal and the same services, but I don't believe him. Does it matter if I go with Academic Financial Services (AFS) or Sallie Mae or any other company, or are they really all the same?
What's the best student loan consolidation company? I'm looking to consolidate a bunch of my federal student loans. I get tons of offers in the mail, but what's the best company to consolidate with? (Or, on the flipside, which companies are horrible?) Looking for tips, advice, anecdotes, etc., etc.
Good student loan consolidation lenders? I am looking to consolidate my student loans with a federal consolidation loan. I know the interest rates are based on federal regulation, but I'm wondering about the other offers/benefits. If you have consolidated loans with a company, can you share personal experience about your lender--customer service, helpful website, quick loan processing, etc etc? Why did you chose your lender? Thanks!
Student loan consolidation and taxes? If I consolidate my student loans with a private bank can I still write of the interest as a tax deduction? I am already graduated and scheduled to begin payment on the loan in April. I am currently trying to get it deferred for a few more months. If I consolidate these loans with a private loan can I still write of that interest on my taxes?
Can someone give me advice about private student loan consolidation? I currently have Sallie Mae loans. As many of you know they will take you to the bank on interest and other fees. Does anyone have any advice on who might be willing to consolidate these god awful private loans. I don't want to be in debt forever! Any great advice is greatly appreciated!
Has the government cancelled student loan consolidation discounts? When is it effective? I read that legislation was passed and if you consolidate or are funded after 10/1/07 you will not receive discounts. I wanted to use most of my grace period before I started consolidating but I do not want to wait if I will miss discounts.
Is student loan consolidation a scam and should one do it soon before rates go up? I am hearing that rates are going up considerably on student loans and that everyone should consolidate to lock in a lower rate. I am not sure though, because I get to deduct the interest on that loan every tax year and my rate is currently under 5%.
Where can I find information on the current federal student loan consolidation rate??? I see various rates online. Some as low as 4.7% but is there a government or official site with the information?
Student loan consolidation? How? When? I am due to start paying lmy federal student loans back in September. How do I even begin the consolidation process, or possibly deferrment of my loan payments for another six months. Any help would be great.
What is a good interest rate for student loan consolidation? I have been offered 4.5% so far...
Student Loan Consolidation question:-College Cost Reduction & Access Act of 2007? What, if any, impact does this have on recent graduates with existing student loans in terms of consolidation? I have not yet consolidated and am wondering if there's an advantage/disadvantage to doing so now vs in the future.
Private student loan consolidation? My fiance currently has student loans through Sallie Mae and they are a big RIP OFF!! Is there a PRIVATE loan consolidation program that anyone knows of? We can't afford to pay $500 a month just in loans!
I am being constantly harrassed by Student Loan Consolidation outfits. What is the ripoff or horror of this? How can a person consolidate their loans clear down cheaper than the federal government originally offers it for? There must be a catch for these companies to make money, right? Are these set up like credit cards, where you have to pay on time everytime and if you miss a payment and try to make up for it by sending extra, they'll add on their fee and raise your interest to whatever they want to charge? Does it lock up everything you own as well?
What is Private student loan consolidation ? Is it realy work ?
Student loan consolidation question? I heatd from someone that student loan consolidation is filing some type od bankrupcy and that if I have all of my loans from the same lender then they are already going to be just one payment. Is this true? I do have a substancial amount of student loan debt and am about to graduate so is it best to consolidate or to leave it alone since I have always borrowed from the same lender? i would really appreciate your help. Thanks in advance!
what are student loan consolidation , student loan foregiveness , private student loan consolidation ? Can anyone tell me about this terms?
Whats the Catch with Student Loan Consolidation? I get all these offers in the mail to lower my interest rate for my student loands -- 2.75% for example Are these companies any good? Or I am better of sticking with my 3.7% and 4.5% interest rates This is the linK! https://www.nextstudent.com/consolidation_loans/apply-online/apply-online.asp
Student loan consolidation? I have a few loans from Sallie Mae. I would like to consolidate them into one loan, hopefully at a lower interest rate. Does anyone have any suggested companies that you have dealt with for student loan consolidation?
is there a website where I can find competitive rates on student loan consolidation? one with interest rate reduction?
Student loan consolidation general question? Hi, I'm looking at consolidation loans that offer cash rebates. Right now I'm looking at $1,100 rebates on my student loans with MOHELA. However, I was hoping to pay off a $4500 credit card bill with either a rebate or by borrowing more than I owe. Are there any companies that allow you to borrow more than you owe (l did this to pay rent as an undergrad) or include CC debt in a consolidation loan? Thanks!
What is the best student loan consolidation company? Recently, I consolidated my student loans (undergrad, grad school loans). After I received the final break down, it appears that I will be paying double over the 25 year pay back period even with a 6% interest rate. This is ludicrous and certainly NOT what the agreement stated. I need to find a better company with better rates and soon. Any suggestions - help!!! This company is really not the best and I plan to change soon. Send links and your advice on how they have helped you!
What questions do I need to ask to get the best rates and terms on a Federal Student Loan consolidation? Interest rates (Sallie Mae) will most likely be going up on July 1. I have received many, many offers in the mail to consolidate my school loans (these are similar to credit card offers). I do want to lock in at a fixed lower rate before rates increase. Currently, rates vary from 2.75% to 4.75%. What do I need to know to not get screwed? Are some companies more reputable than others? How would I find out? Are there hidden fees to be worried about? I graduate this June.
What student loan consolidation company do you recommend? Which ones are the best out there, especially for loans over $20,000?
Private student loan consolidation help? I'm looking into consolidating my federal loans. If I submit an application to find out if I am approved, I will have to give the ok before the consolidation goes through, correct? I just want to make sure that by submitting this application they won't automatically approve me and then I'll be screwed if the interest rate sucks. I would just call the company, but I am at work right now and can't use the phone. Any ideas? I'm going through citibank.
Whats the best place to or student. loan consolidation in the economy of today? I graduated from school in May and I am just now getting my loan consolidation together. Any ideas of a good site to look for consolidators, specially right now since most arn't taking applications?
Can I withdraw an online federal direct student loan consolidation application.? I filled out an online federal student loan consolidation application, and decided against going that route. I filled out the application and promissory note on Friday. Will the DOE allow me to withdraw the application on Monday? The site: https://loanconsolidation.ed.gov/appentry/appindex.html
Poor Credit Private Student Loan Consolidation? My credit is not so good but I just graduated with my MBA and would like to consolidate my private student loans. Can anyone recommed some lenders or private investors that can assist me? If I have to pay a percentage higher to get them consolidated, I will.
Is student loan consolidation better than debt consolidation? I am approx. $65,000 in student loan debt and my yearly income is approx. $32,000. Deferment ends in September. I also have a mortgage and other bills. Any advice is appreciated. I'm getting confused by all of the student loan consolidation sites vs. the debt consolidation sites. Debt consolidation sounds too goo to be true--paying off $65,000 in 5 years? Really?
Can you apply for a student loan after debt consolidation? if you already have one loan, what if it's differed due to disability? How does this work? Can you apply for a student loan after debt consolidation? if you already have one loan, what if it's differed due to disability? How does this work? At the time the first loan was taken out (it was for around 4,000 and it was to a school that was a scam, but they got away with itbecause they knew the ins and outs of pulling off their scam very well. . so I'm asking about applying for another loan / consolidation, not discussing the previous one.
Is there anyway to get a loan to pay off all of my student loans besides consolidation thru the lenders? My student loans add up to a substantial amount (over 30K) and the student loan companies that I used are telling me that they do not consolidate anymore. I'm wondering if there is any other sources to help me to pay them off now before the interest kicks in and adds up...and just have one payment to one source rather than three or four lenders from student loans???
Could I please have your private student consolidation loan expertise? I have two private student loans that I start paying on in July. One is 13% $12700 and the other is 12% $12280. I am closing on a condo so I need to get these in order so I can budget accordingly. Are there many good fixed-rate private consolidation loans? Personal experience please? Also, I have a really high credit score...I don't see why my interest was so high in the 1st place. My home loan is super low. What type of payment could I expect if I do not consolidate?
Student loan consolidation and credit cards? I graduated a few months ago from college and am starting a new job in a few weeks. I've been going through my finances and looking into consolidating my student loans (about $35K). All of my student loans are alternative student loans, but can be consolidated. Unfortunately, for the last year of my degree program, I had to rely on credit cards for what the loans didn't cover, leaving me with some substantial credit card debt also. Is it possible to consolidate my credit card balances with my student loan consolidation. I would rather make one large payment on everthing instead of making smaller payments on all the different loans.
Terrible Student Loan Consolidation Rates.? Calling All Finance Majors....... I have 6 student loans (federal) for about $60K total balance. One of my loans has an interest rate of 2.8% FIXED. Everything else is a variable rate, presently at ~6.8%. If I consolidate all loans, I'll end up with about a 5.875% fixed rate. If I don't include the 2.8% loan in the consolidation, I'll end up with two loans, the one at 2.8% fixed rate and the consolidated loan which will become a fixed rate at ~6.8%. The question - I want to preserve the 2.8% part of my student loan with a separate payment BUT I don't like the 6.8% consolidated fixed loan rate. Are there other alternatives to the rates offered by loan consolidation companies that offer less than a 6.8% rate? What have you smart gals/guys done to beat these over inflated rates??? Thanks for all advice.
Student Loan consolidation help? I am going to be going into a two year paralegal program starting in the fall and I am pretty sure that I got the Stafford Loan for $3,500 and I got a grant for about $900. The Paralegal program will end up costing about $11,000 so I'll need to take out a private student loan. I find all of the financial aid and loans to be very confusing but I was looking at a private loan through Chase Manhattan bank that didn't seem so bad. I was wondering about loan consolidation. Are there any banks that will consolidate federal stafford loans and a private loan together to help you have a lower monthly payment? Chase Manhattan said you cannot consolidate a federal and private loan but I was wondering if maybe another bank would do that? Or is there another smart way to go about handling your loans after graduation? I'm just trying to think of the whole picture and plan for graduating. Also, when you take out a private loan it seems like they all have the variable thing going on..why don't they offer a fixed rate? Do you try to consolidate and get a fixed rate when you're done school? Like I said before...financial aid is very confusing to me. Any help would be greatly appreciated. Thanks!
student loan consolidation!? Hello I am 22 years old...unfortunately I did make some bad choices in the past and now I am paying the consequences. I am in debt with student loans and I would like to know how will consolidating my loans, all in one will help me with my financial problems. I have like 15,000 to 20,000 in school loans. Although I am paying them ok, I would like to know what can I do...what options are there out for me to make the situation a little better. I am still going to school and would not want to take more loans, believe me, I will try not to take anymore. IT also seems like I obviously don't know how to divide and distribute my money properly...meaning, I don't know how to plan my monthly budget...what can I do? any advice??? I will appreciate your answers....thank you! p.s. Where can I get help with loan consolidation...or what company do I use...any recomendations on how to plan my monthly budget (maybe using a computer program or something)....thanks!!
student loan consolidation fraud advice? My wife was having seizures when a student loan consolidator called and tricked us into thinking he was aes. His company is only one letter off and she thought he was having us go online to check her loan. She told him she was not with it and having seizures at the time, but he had her go through the web site and electronically sign a consolidation document. We didn't want to consolidate the loan and when we figured out what happened we called back and had it canceled. It has been 3 months now and we just received a consolidation package from another company in the mail. The first company sold our loan to another company even though they told us it was canceled. We never got a hard copy of the loan cancelation from the first company, and the second company isn't letting us out of the loan. Is there anything we can do? We have no evidence that we canceled the loan. We talked to an attorney and he said we didn't have any options. Please help us come up with something we can do.
student loan consolidation? I just exited my grace period and received my first student loan bills. I have a lot of student loan debt (all federal loans), and my goal is to pay them back as quickly as possible - hopefully within 10 years or so. Is student loan consolidation right for me? I'd like a lower interest rate, but I don't necessarily want to lower my monthly payments if that means I'll be paying my loans back 2 or 3 times over due to interest over 25 years. Thanks!
Student Loan Consolidation? Lower Monthly Payments? I don't get it...? What exactly is a Loan Consolidation? I took out a student loan a few years back and am paying the interest now. But its becoming very difficult since the monthly payment ammounts keep going up. Does anyone know how I would it less? I heard about Loan Consolidation, but to be honest I dont understand how websites explain it. Here are my stats on my loan FYI Current interest rate: 9.970% Monthly installment: 83.67 Is this any good? I ask you wise men and women of Yahoo! Answers. Oops I forgot to ask, can anyone suggest a good company to go with? I'll look into it myself as well i just want some suggestions. or at least who to stay away from hehe.
Student loan consolidation? what advice do u have? What can you tell me about student loan consolidation? any advice? I have about $22, 000 so far but will probably be going back to school still. If I get any other loans how will that affect my consolidation?? HELP!!
Student loan consolidation? I applied for rates with 3 banks to get the best offer for student loan consolidation. About 60 days passed and I received a payment booklet from BofA. They had paid my student loans and began charging me at a higher rate than I had before. I never agreed nor signed a promise to pay or anything - just filled out an online application. What do I do now? They are on my credit report, they are charging me, I have not paid them anything. I don't want to as Chase offered me a better deal. I asked BofA to provide me proof that I owe this debt yet they have not. Its for over $30k. Since I never signed anything (just did the online application) do I really owe them anything?
student loan consolidation? Sign for student loan consolidation in October of 2006, was told it would take 6 to 10 weeks to process, about the end of 06, never heard another word, today got a payment book from some company I never heard of. They say they have my loan papers with signture, and sending me a copy. I did not sign with these poeple, haven't heard from the other in 6 months, I am now jobless and schooless, is this legal, aren't loans void after a certain time period, and any suggestions on what to do or how to go about this? Thanks for the input
Student loan consolidation vs. rehabiliation? My student loan is currently in consolidation. I hadn't realized that I could've rehab'd it and eventually it would come off of my credit report after 9 months of on time payments. Now I don't qualify for rehab b/c its not in default anymore since I consolidated it. Is there any way I can get out of the consolidation program and get into the rehabilitation one?
Student Loan Consolidation? I'm just about to graduate from a private college and have a good amount of debt (private and federal). I have been looking into consolidating with Sallie Mae (most of my loans are through them) and it seems like a good deal. However, I also get consolidation mailings from companies like NelNet and Student Loan Xpress and was wondering if anyone has dealt with them before. SM and the other companies all compute your interest as a weighted average so they seem pretty similar. Specifically, StudentLoan Express (a CIT company) says I can get a rebate AND deductions off of my interest rate when I do an automatic payment. I'm just wondering if anyone has used these companies and/or places with rebates. I don't need too much detail with interest rates and such because I understand all of those things (finance major) but anything else would really help. Thanks!
Student Loan Consolidation? Best ones?? Help.? Who has the best student loan consolidation? Best rates? and will give me the cheapest monthly payment. $28,000. Please help.
Question about student loan consolidation...? What loan consolidation companies have you had really good or really bad experiences with? Do you have any suggestions for consolidating student loans?
student loan consolidation? All total, I have 6 student loans on my credit report from 2 different companies. I write one check to each company per month. How will consolidation these loans effect my credit? I think these 6 accounts will be closed, and 1 new one for the combined total of the 6 opened. Will this drop my score?
Student Loan Consolidation? Does consolidation of student loans affect the credit score negatively?
Is 5.375% the lowest interest rate you can get on student loan consolidation? This is the deal Graduate Leverage gave me on a 25yr. payment plan for $31,500 in student loans. My payments came out to only $173 a month. Is this as good a deal as I am going to get on consolidation? (1% is taken off the interest rate after 17 timely payments with a .25% deduction taken off for automatic withdrawal )
I need info about loan and debt consolidation (student loans and other debt)? what is loan consolidation and debt consolidation? how does consolidation work, what are the different options for consolidating? what are the advantages and disadvantages of consolidating debt and loans? what are the best tools and calculators for showing results of consolidating? So, I want a list of the most useful sites and articles that will give me this info in an informative, unbiased, comprehensive but easy to understand way.
Student Loan "Consolidation"? I am not sure wether the term "consolidation" would explain my question. However, here is my problem: IUp on my graduation this july from college, I have Standford loan from tow lenders. An amount of USD 4813 from Edfinancial and USD 4515 from Salie Mae. In order to facilitate my future repayment, I contacted both banks asking wether they would allow me one monthly payment. However, both refused my request stating that I would not be qualified for consoldation due to minimum loan amount requirement. What other options you suggest?
Student loan Consolidation.? I would like to know if you can get non related loans consolidated into your student loan? For example personal and credit cards. I would like to reconsolidate my student loan and get locked in at a good rate. All answers are appreciated. Eddie.
Student Loan consolidation or return to deferred status? I have been out of school long enough that now I need to start paying my student loans. However I plan on going back to school this summer. When I go back will my loans return to a deferred status? Also I was thinking of consolidating the loans I have now. To lower my payments while I am out of school. But I am not sure how that will affect me once I go back to school. If it doesn’t have any effect who is the best loan consolidator? Anyone have some info or point me somewhere, where I can get real answers without a hassle. Thanks!!!
Student Loan Consolidation - Will it lower my mthly payment? By the time I finish school next year, I figure I will owe the following in sub/unsub student loans: $12,990.02 2.875% (Student loan deferred from last time I was in school, 82 mths (of the 120) left in payment term.) $10,884.10 6.80% $13,000.00 6.80% I used the payment estimator and it said my monthly payment will be $455.26! Will my mthly payment be lower when I consolidate the loans?
Student Loan Consolidation Companies? I am looking into consolidating my Private, Alternative student loans. I've already consolidated my Federal Loans. Aside from Citibank and SallieMae, what are some other loan companies?
Student Loan Consolidation? When you consolidate your student loans while in college, do you have to begin repaying the loan before graduation or do you still have that 6 month grace period after graduation? I am confused about this.
student loan consolidation? I'm currently comparing loan consolidation companies. Can anyone recommend a good one? Please include the amount you owe, monthly payment and interest rates. Thanks in advance.
Private Student Loan Consolidation?? Any light? Can a private student loan be dischared in court? BK? my loans got out of hand and i owe 150K!!!! :( help
Interest Rates on Student Loan Consolidation? I just graduated and I am trying to consolidate my student loans. Right now, they are with two different comapanies which offered me a 7.14% and 7.25% interest rate respectively. I called another company who had sent me literature, and they offered a 6.125% rate for the first 36 on time payments, then it will drop to 5.875% after that. I thought this was a good deal, but people keep telling me that it is an awfully high interest rate on a student loan. Does anyone know if a lower one can be found anywhere, and if so with what company? Is this about the best deal I will be able to get?
Why does Sallie Mae require a cosigner for private student loan consolidation even with good credit? It absolutely makes no sense. Even with superior credit you are still paying through the roof! "If you have a superior credit history and a cosigner on your Private Consolidation Loan (or a cosigner with a superior credit history), your interest rate could be as low as Prime – 0.50% (6.75% APR) with no origination or disbursement fees. If you have fair credit history and no cosigner, your Private Consolidation Loan interest rate could be Prime + 6.5% (13.75% APR)." I worked so hard to build up a good FICO score and need a good consolidation rate. My parents have awful FICO scores. What should I do?
Can you apply for a student loan after debt consolidation? if you already have one loan, what if it's differed due to disability? How does this work? Can you apply for a student loan after debt consolidation? if you already have one loan, what if it's differed due to disability? How does this work? At the time the first loan was taken out (it was for around 4,000 and it was to a school that was a scam, but they got away with itbecause they knew the ins and outs of pulling off their scam very well. . so I'm asking about applying for another loan / consolidation, not discussing the previous one.
Student loan consolidation? I applied for a private student loan consolidation from Sallie Mae but they said I didnt meet their credit requirements. Which is weird because I have a cosigner who has great credit. I do not know where to turn next or who is a good company to consolidate my loans. I know that I need this to get done ASAP because I have already started making payments of almost $400 a month!! Any advice?
What are my student loan consolidation options? I will be graduating from college in May and I want to start finding out my options for loan consolidation. In order to pay for my college education, I have received four years of federal Stafford loans and three years of private third party loans. I am interested in loan consolidation due to having numerous loans from different lenders.
Can you apply for a student loan after debt consolidation? if you already have one loan, what if it's differed due to disability? How does this work? Can you apply for a student loan after debt consolidation? if you already have one loan, what if it's differed due to disability? How does this work? At the time the first loan was taken out (it was for around 4,000 and it was to a school that was a scam, but they got away with itbecause they knew the ins and outs of pulling off their scam very well. . so I'm asking about applying for another loan / consolidation, not discussing the previous one.
Private Student Loan Consolidation, a good lender? I owe over 100,000 need low monthly payments.? Hello, I recently graduated from college, about a little over half a year ago, I am yet to consolidate any of my loans because i'm scarred to lock in my loans at some outrageous interest, my loans are as follows,around: 29,000 in federal 78,000 in private student loans, which would make my payments unconsolidated around 1500 a month, and i cant make that sort of payment nor I think anyone that has recently graduate can, I want to know if there is any place that i can consolidate both of these loans where I can actually make a payment. I do want to pay but I just cant make 1000 dollar payments every month. I've had no help with paying for my school nor from the government nor from my parents. what am I suppose to do? I did a forbearance on my loans but it ends at the end of this month and I still haven't been able to find a lender that will consolidate my private loans at something affordable. Nor can I find any information on the internet. wow nothing bust spammers posting....thanks
Student Loan Consolidation? I have almost 9k more in student loans and I'm paying almost 100 a month. This isn't a lot compared to some peoples loans, but when you pay 1k for rent and utilities then an extra 100 hurts the team. Anyways, my question is when you consolidate student loans does this affect your credit score? I have over a 700 rating and if this does affect the rating I'd rather stick to paying 100. Worked too hard to get my credit up and rather not take any unneccessary hits on it. Thanks in advance.
Student loan consolidation help? I currently have my student loans consolidated through citi-bank. The payments are too high for me to keep up with. Can I consolidate again through another company or am I stuck with citi-bank. I desperately need a lower payment and citi-bank will not work with me.
Student Loan Consolidation? My girlfriend recently finished her B.A. and is trying to consolidate her student loans. The problem is that she has NO valid co-signer. Are there any ways to consolidate student loans without one?
Student Loan consolidation? My fiancee and I have both consolidated our student loans with different lenders. When we get married in September, is there any way we can merge our student loans into one payment? Any info would be appreciated. Thanks.
CURIOUS: What are your chances of getting approved for Federal student loan consolidation? Also, Do debt consolidation companies include federal educational loans into the consolidation? If you have a federal student loan, and the loan company offered a 1800 # for a consolidation company to take the loan and pay it?
CURIOUS: What are your chances of getting approved for Federal student loan consolidation? Also, Do debt consolidation companies include federal educational loans into the consolidation? If you have a federal student loan, and the loan company offered a 1800 # for a consolidation company to take the loan and pay it?
Student Loan Consolidation? My GF has undergraduate student loans and she's paying about $400 a month. What group is the best to use to consolidate these loans into a smaller payment... and also... how much could she expect the payment to go down to?
Student Loan Consolidation?? I am goin gto be graduating college soon and i know i need to consolidate my student loans... I dont know where to go or what i have to do... I tried to aks the people at the financial aid office at my college bu thtey just confused me.. Does anyone know what i have to do?
student loan consolidation? Can i get any advice about consolidating my student loans? I have to start re-paying them in august. Any good ideas for companies to contact or any advice at all would be appreciated. Thanks.
student loan consolidation? this may sound dumb, but can i consolidate my student loans into one if i have different lenders
***Private Student Loan Consolidation***? I have 42,000 in private student loans that I am trying to consolidate. I was rejected by Bank of America, Wells Fargo, Citi Bank etc. I do not know where to whom to turn. Does anyone have any suggestions?
About student loan consolidation? I have 2 student loans. One of them is through American Educations Services, and the other one is through Sallie Mae. I'm having a hard time keeping up with both of them along with my other bills (rent, car, insurance, etc.) What is the best way to go about consolidating them together, or is that even possible? Thanks in advance.
Best student loan consolidation. Mine after 5 months just turned me down!? I used education direct in may and all was well, recieved notification they had received loans and payments to those loan holders then all of a sudden they said no, and that payments had been returned just last Thursday(long after july deadline to lock in good interest rates! Now what do I do?)
Advice on student loan consolidation? I have loans through AES, Sallie Mae, and Citibank. I know how to consolidate them separately, but is there any way that I can make all three into one big loan so I'm only making one payment a month? Will AES buy out my private loans? Or can I somehow get at least one of the privates to buy out the other so I'm only making two payments? I know I need to call them, but I'm hard of hearing and it makes it very difficult to understand them on the phone. I'd like to go into the calls knowing as much as possible so that I get less confused. Any help would be appreciated!
What are some good Student Loan Consolidation companies? These crooks known as Sallie Mae have screwed me. Two years ago I started receiving my student loans, and the interest rate at the time was only 2%. I even have a sheet of paper stating that. My total in loans was $42,000. I get my statement in the mail last week and suddenly I owe them $57,000 and they jacked up my interest rate to nearly 18%. I nearly cried. I called Sallie Mae right away stating, I cannot pay $688.00 a month it is just ludicrous. I only have a couple more weeks to find a cheap, but very respectable loan consolidation company. My sister uses Nelnet, but they haven't gotten back to me yet. For all of you college graduates what is a cheap, but VERY respectable and honest Student Loan Consolidation company? You can email me with details if you'd like. Thank You.
Need to calculating student loan consolidation incentives? Eventhough the new Student Loan Act came out in Oct. 07 make most private lender eliminate incentives, except for the .25% for autodraft, but the non-profit lenders are still offering them. I found 2: + S. Carolina Student Loan Corps: offer 0.5% reduction for autodraft and 1% after 36 mo. + North TX Higher Ed.: 0.25% autodraft reduction and 1% after 24 mo. Can any math-inclined people tell me which one is better? I have 30k to consolidate and the current rate is ~7.25% intend to use 20yr. term. Another condition to tickle your noodle: what if I pay a fix $250 each month regardless of which company I use, how long would it takes me to payoff each? Thank you for your time.
Student Loan Consolidation Question??? Here's my story... My Student loans are in repayment Status so I consolidated my loans hoping it would help me to improve my credit and also to make it more affordable... My credit Score is all ready very low (478) and I was hoping to purchase a home within the next year or two. I begin paying a few old debts that were on my credit report. But now listening to others story Consolidation may not have been the best idea. I tried to cancel my loan consolidation through Smart loan because the funds won't be disbursed until next week... But they told me that it was too late the loan has all ready been processed... HEEEELP!!!! Have I ruined my chances of getting my dream home? Will my Credit Score be affected??? What will show on my Credit Report ???
What is the interest rate for private student loan consolidation at SallieMae? http://www.salliemae.com/after_graduation/manage_your_loans/consolidate_student_loans/private/private.htm Their website says the following: Interest rate: Interest rates are variable and reset monthly. Private student loans, not federal loans. I found the answer on their site. It's Prime (8.26% today) plus 0-6% depending on credit worthiness, changing monthly.
student loan consolidation? I was wondering if there is any way to consolidate fed. loans as well as credit card debt. I have racked up a bit of credit card debt while in school. I have consolidated once, but went back to school and will graduate soon and am looking to consolidate both loans and credit card debt. Is that possible? I will be going back to school again next year for yet another degree and won't be able to afford school and credit card debt hence why I wanted to consolidate it with my loans.
Student Loan Consolidation? Can someone explain the rule about only consolidating once? I consolidated private loans (except for one) a few years ago and i am still getting solicted by companies. Does this mean i can still consolidate with someone else or do i have to stick with the same company?
Student Loan Consolidation---- HELP!? All I know is that I'm getting ready to graduate from a private 4 year college where I have about $30,000 in loans (Federal and Private). Where do I go from here? Honest and serious answers only please..... Thanks!
Private Student Loan Consolidation? I am $65k in debt thanks to PSU, and their Mechanical engineering program. I have no help from my family with my loans, and my interest rate is variable at 8.5%. I will end up paying $120k after only 10 years. Is there anything i can do to help with this? I have been trying to research consolidating my private loans, but that will lock in a fixed rate at 9.8% which doesnt sound worth it. Im confused. Any ideas?
student loan consolidation help, filled out online applicaiton but didnt sign any paper work? Hi I did an online app with xpress loans, after I reviewing the prommissary notes and paper work to finish the loan i decided they didnt have the best deal and did not sign anythng. They have since bought my loans and are sending me bills, Is this legal and what are my rights.
Student Loan Consolidation--can you switch companies after consolidating? I consolidated with Sallie Mae last year. They suck. Late charges for no reason, web site not updated, have to apply for deferment over and over again ... can I leave them and switch to another company?? Thanks for any help.
Student Loan Consolidation Fraud? I just received a call from this company and i usually listen to what they have to say and say no thanks and hang up.. but they were just offering to send some information and new my address, name, and knew my 7 numbers of my SSN. all i needed to do was verify the last two digitsi said i don't feel comfortable over the phone with this and said some other line.. and i finally gave in and said the last two numbers.. she said please hold came back a couple mins later, said i did not qualify for the program.. i asked why not, she just repeated i didn't qualify, i asked again getting pissed now, she said i' m sorry sir and hung up while laughing a little, she was very indian sounding and tthe number on my caller ID read 712-429-0346. called back just get music and wait forever.. does this seem like fraud? how can i find out for sure? is there anything i can do find out.. what's the worst they can do with that information? please some feedback..
Student Loan consolidation question? i get letters from lots of companys asking telling me if i consolidate i will get a rebate. are these comanys legit? is consolidating a good idea?
BBBi recieved a student loan consolidation offer with a 1% rebate check if i oualify from academic loan group? in san diego ca
What is the lowest credit score I can have to get a student debt consolidation loan? i have a lot of student loan debt and want to consolidate. however, i'm sure that because it is a private loan they're going to run my credit. do you know what is the lowest score i can have to consolidate? I don't need debt management- my bad credit is the result of the ratio between my income and huge student loans. This totally messes with your credit. I'm working with a law firm to get this under control. I just need to consolidate my loans and while I can wait until my credit improves, I want to start saving money now.
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