Consolidation Loans knowledge base
Consolidation loans?? Does anyone know of a place that will provide a consolidation loan (not debt settlement) to people with good credit, but not excellent credit? I'm not having any luck with the major banks such as Wells Fargo, B of A, US Bank...etc. Only helpful suggestions please. I'm not looking to be critiqued. Thanks!! Not a homeowner and I live in NV.
No more consolidation for student loans? So, I just graduated and found out that my lender no longer does federal consolidation loans and my payments are outrageous. Of course, bad investements on my part long ago. Are there any other options? I could use the graduated repayment plan but that is still pretty high and can go up after two years. I'm worried that with the current job situation, I may not have a job in those next two years. Any advice? Any lenders still doing this? Help! Btw my lender is citibank.
debt consolidation loans- what can I do about all my debt? I have maxed out credit cards and they raised my apr due to a mistake in my payment and it was late, usually i'm on time or early with my payments and always pay the minimal. I'm trying so hard to get out of debt but with my apr raised, i feel like i'm drowning in debt. I have read some info on debt consolidation loans vs. other methods, which is best and what can i do? i probably have really bad credit right now due to the max'd out limits and the "penalty pricing" increase in my apr. I would like to find a way to consolidate debt to lower the rate and possibly lower the payments but i don't want to get into a situation that will end up leaving more of a scar on my credit report. Can anyone help me out? where do i go from here?
Does anyone have any info on debt consolidation loans? To make a long story short in exactly 1 year my husband and I went into $11,000 in credit card debt. I make every payment on time but sometimes can only make the min. payments and we have 6 credit cards. Does anyone have any info on debt consolidation loans? Or anything? Thanks
Is there a consolidation loan to pay off payday loans? I made a huge mistake in using payday loans to help pay bills during a rough time. Now I can't get from under them and it's hard to pay on my regular bills. My credit is 495 therefore it has been hard to get a loan. Is there help for me? Once i can get these loans paid I can make the monthly pay'ts.
Can I put private education loans in my federal consolidation loan? I was just called by Sally Mae; the very rude collection agent was demanding that I make payment immediately for my loan that is 60 days overdue. I am currently doing the paperwork for a William D. Ford Federal Direct Loan to consolidate all of my student loans together. The agent told me that would not take care of this loan because it is a private student loan not a federal. Is this true? What options do I have if any to get all of my loans consolidated together?
Advice welcomed regarding consolidation loans in the UK? I'm struggling to juggle loans and have enough to live on. I work full time and apart from one credit card, I've managed to keep up with repayments. Can anyone suggest who the best company would be to discuss an option that would reduce my monthly payments.
Where do I consolidation my high student loans? Recently my student loan was out of default and then transferred to another bank where it shows a double increase to my monthly payments. How should I go to consolidate them to a lower payment (Lower than 800 per month!! for 50 grand). Should I go Private or Federal Loan Consolidation? Any trusted places to contact and consolidate them? Much appreciated.
Can you refinance student loans after consolidation? I consolidated my student loans years ago (when interest rates were high). Last year I called my lender to see if I could refinance and take advantage of the lower interests rates. I was told that I could not do this because I had already consolidated my student loans and you would not refinance without consolidation. Is there any way around this? I am back in school and currently paying cash for tuition. If I instead took out a small student loan this term, could I then consolidate that loan with my other student loan and take advange of the lower interest rates that way?
Trying to be supportive BF: How can my GF find out about all her student loans, and a consolidation option? My girlfriend just graduated and is stressing out about her loans. I don't know much about the details of her loan situation, and she isn't 100% positive about it either. She has a number of loans (let's say 7) out: 2 Federal Stafford loans 2 Great Lakes Loans 3 Michigan Mi-Loans Now, looking at Sallie Mae's loan consolidation application I don't see an option for "Great Lakes" or "Mi-Loan", only Stafford loans. So does that mean that a company such as Sally Mae can't/won't consolidate these "mi-loan" and "great lakes" loans? If not, how should she go about consolidating her loans? Also, on the "Great Lakes" website along with the two loans she has, there are two other loans for 2750 each that say, "Not yet disbursed". Disbursed = payed out or distributed, so I assume that this means she perhaps applied for the loan, but never actually took the loan? Thanks for any help, sorry for being totally ignorent. I was spoiled (and then got a great paying coop!).
Debt Consolidation Loans For Bad Credit? Are there any debt consolidation loans or personal loans for non-home owners with bad credit? I'm currently on a debt management payment plan but I'd really like to take out one loan to pay off all my debt at once. I havent been able to find any loans for this purpose. Thanks!
What should I do to handle my debt? Loans? Consolidation? Ok so im about $6500 in debt. I have a credit score of 696 the last time I checked but recently have had a very bad run of jobs. I am now with a GREAT company (Alltel) and bring home about $2000-$3000 depending on sales. But right now im at the point to where I cannot keep up with my credit card bill, loans and unpaid debts. I need to try and get all of my bills (About 10) into 1 easy payment. Over maybe a couple years time. (Not including car payment or insurance.) I was considering debt consolidation but then was told that my credit will be ruined and I definitely dont want that to happen but I may if theres no other alternative. If I look into bank loans where should I try? I have a credit score of 696 but cant even get a department store credit card.
Consolidation loan for student loans? I have bad/fair credit. I'm sorta on the boarderline score wise. Where can I get a consolidation loan so I only have to make one monthly payment instead of 3? I owe Sallie Mae, Wachovia, and a balance with my school. Will a consolidation loan take in the balance I owe the school?
How many times can you consolidation Private student loans? Does anybody know how many times you can consolidate private student loans? Right now I have approx $26K in student loans consolidated with Sallie Mae at about 10% interest rate. I would like to get a better one, but have already consolidated. If I can only do it once, do loan companies actually lower the rate based on credit and payment history?
Where can I find debt consolidation for "private" student loans? I am a young professional that is over my head in private student loan debt and credit card debt. I have found several companies willing to help me with my credit card debt but no luck with the private student loan debt because it is not considered "secured" debt. My interest rates on these loans are over 20% making my monthly payments total $700. Because I have credit problems in the past I am considered a "high risk" thus unable to get the banks to reduce my interest rate. Does anyone know of an agency that is willing to help people with "private" student loan debt? I am looking for some type of debt consolidation that would reduce my interest rate and lower my monthly payment. Please keep in mind these are private student loans not government loans. Thanks in advance!
Is there a type of debt consolidation for payday loans? I've met with a lawyer to start to file for bankruptcy. The two main components of my debt are a car repo, which for some reason I still owe around $6000, and some payday loans, which I owe around $3000. I'm trying to find a way around bankruptcy, if any, does anyone have any ideas?
Consolidation Student Loans when deffering for school? I am about to go to graduate school in the fall so I will be deferring my student loans. Right now I have a Stafford and Perkins loan. Should I consolidate these before deferring? Also, when deferring are my interest rates locked or do they increase? Anyone have a real answer or experience?
Can I get a debt consolidation loan with bad credit? I would like to get a debt consolidation loan for my outstanding debt from closed credit cards, old utility bills, etc I have student loans, but I would like to consolidate them separatley and not through another loan. Also, I have an auto loan, would the loan be able to cover that as well? Please, real answers, and no opinions/judgements. Thank You.
I need a loan for debt consolidation, are there 1 year loans based on salary? I have some significant debt to eiliminate, the problem is interest payments. I make around 50K a year, and if i had that in a lump sum payment i could eliminate all of my debt in one year and keep my current lifestyle. My question is, do any financial establishments offer a one year loan? If not are there any other options out there for me? I'm totally open for suggestions.
consolidation loans? Can anyone give me the name of a loan company or companies, that offers fixed rate long term loans? I'm not looking for home equity loans as I don't have a home. They must be listed with the BBB and have a legitimate website and business. I'm not looking for Joe's fly by night loan company. I don't want to have to declare bankruptcy.
Debt Consolidation Loans? Can anyone comment on the use of Debt Consolidation Loans? I had a free consultation with a debt specialist through http://debtconsolidationloans.eoltt.com and they recommended a debt consolidation loan as one possible solution.
debt-consolidation loans [student loans]? i need some info about "debt-consolidation loans". im trying to get a loan and i've heard that these are have low and fixed rate of intrest. but i don't know if they are staffurd loan or not.[federal pays the intrest while im at school?] btw if anybody know a good student loan let me know, so i can apply...
Debt Consolidation Loans? I was wondering if anyone knows which companies offer the best debt consolidation loans. I would like to consolidate my credit cards and my vehicle loan if possible. I have done some research online but have only found a few companies that offer debt consolidation loans and I am not sure who would be best to go with. I am not behind on my payments and do not need credit counseling debt management. I do have a lot of debt though and would like to consolidate into one monthly payment to help save interest and to save a little money each month.
Debt (consolidation, loans, what?)? I'm relatively young and in my short trist with credit I have managed to get myself in some trouble. I have a car loan and a large credit card balance. I need to consolidate and if at all possible get a lower interest rate. I don't own a home and like i said I have a car loan so I can't offer that as collaterol. I am really lost and I just need some advice on what to do from here. What are my options? What loans are available? What companies that offer consolidation legit? What can I do? It has taken me months just to finally admit that i need help and that my debt is starting to overwhelm me. Please Help me!
Im confused about "debt consolidation loans"- can someone explain? My debt is as follows: Student Loans: approximately 25k Credit Card : 5,500 Car Loan: 8k I am about to enter my 3rd year in my first "real job" after college- and i think its time to get ahold of my finances. I am no longer taking loans (obviously) or using my credit card.. and my each religiously monthly. But.. ive heard about debt consolidation loans and im confused: 1. do they lower your monthly payment? 2. Do they negatively affect your credit? If someone could explain what they are, if theyd be good for me, pros and cons etc id really appreciate it! thanks!
Consolidation Loans For People With Good Credit? I'm looking for a compnay for some type of combo loan? I have 2 mortgages, 1 Heloc, and 2 Credit Cards. Between these 5 payments I'm looking at $215,000.00 Mort #1 $122K Balance, property is worth aprox $160K Mort# 2 $55K Balance, property is worth aprox $110K Heloc is $25K 2 Credit cards equal about $11K Is there a bank out there that would give me one consolidation loan to wrap all these up? I would save a bunch! My credit ranges from 690-760 Can anyone help me??? Thanks in advance, Mike
Consolidation loans for bad credit? Ok heres the situation, I have bad credit, I make a steady paycheck, but my bills seem to add up so much I'm left with nothing to live off of, I cant get a payday loan because I'm military. I need a consolidation loan I pay about 1400 a month in bills right now, I need about a 14,000 loan thats it, and I can make high monthly payments like 500, 600, 700 maybe even more but it would be a huge help from 1400 a month because I just cant live off of what I have left is there anything I can do I'm stuck! To add on to this I am military so since that wonderful new bill passed I cannot get a payday loan no matter what. I have also checked out several debt consolidation people you know the ones who don't give loans but try and work with the people you owe and that wont work either because no one wants to budge on the payments we're making to them now, and as far as the loans I have found to get no one is willing to give me anything that would even be worth my time I would be trading in maybe one debt I owe for another debt I need something that will pay all my debt and give me one lump sum to pay off every month
Debt Consolidation Loans? Is there a debt consolidation loan for people w/ bad credit in which one can use the money for personal use as well as for consolidationg debts?
Do consolidation loans ruin your credit?? I read here on Y Answer that someone said getting a consolidation loan ruins your credit because you are in violation with your original APR. Is this true?? Please list your source!! Thanks!
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.
Re-payment of student loans... consolidation? Help!? I have to start paying back my student loans soon. I realized that the payments are going to be OUTRAGEOUS. I was wondering if anyone knew of any good consolidation companies? Or any ideas for lowering a monthly payment?
Consolidation Loans/Refinance? We purchased a home this year. We have several other debts (small personal loan at a bank, loan at a finance company, two car loans) We would like to borrow money to pay off these debts, not accumulate anymore, and have one monthly payment. We don't know alot about the different loans out there so I wondered if anybody out there could help me. Thanks Thanks for the responses all. I'm going to check out those sites suggested and try to get a better grasp on what I am looking at here. I figured my "smaller" bills and the payments are about 1100 a month. What I am looking for I guess is a loan to pay all of those off and maybe have a payment of 500, saving me 600 a month. I would still have my house payment, that wouldn't be a problem once the smaller bills were paid off. It's a struggle right now because of all those other payments...so I think getting them consolidated into one payment would be alot easier to manage and hopefully save us some money every month.
debt consolidation loans,home equity loans? me and my wife just bought a house 7 months ago and when we moved in we did not realize how much we needed to get the house adequete with furniture etc. so now we have ran up quite a few credit cards and have a 4000 furniture bill that we are barely getting by paying .so vcan someone tell me how debt consolidation works, and if it will mess your credit up. our house appraised at 92500,while we owe 86000 on it so any advice u give would help . thanks
I know debt consolidation loans for bad credit are out there, can you help me find them? I am a single, widowed mother of two who went back to college after my husband died. I also had to file bankrupcy (which would be 9 years ago this year) because there were debts attached to my name that were not my legal responsiblity. Going back to college was a good move but an expensive one. I was unable to pay my credit cards/store cards because of the little or no income I had coming in. Most of my money went to the basics to support myself and my family. After graduatiing (with a teaching degree) I had a hard time finding work in my state (there was a teaching surplus) so I moved out of state 1500 miles for a teaching job. After moving the home I was renting went into foreclosure after only 8 months so I was forced (not by choice) to move again. I am now in a situation where I can finally start catching these bills up and would like one payment a month. Debt consolidation companies won't help because one of the credit cards is in my mom's name. Any suggestion
Are consolidation loans worth it? ive got a few credit cards and a loan, at the time when i got them i had a fiull time job and found payments easy i went back to college last year ti further my education and get better prospects. ive finished and qualified and im about to start a new job in October when the salon opens Im finding it tough at the mo to keep up with payments as money is drying up is my answer to consolidate my debts for an easier payment any advice the loan i have is not a school loan unfortunatly
Debt Consolidation Loans for NON Property Owners? Are there Consolidators that will loan in the 8k - 10k range for people who do not own property, I want to get my bills paid off before I go to the fire academy and I really need some help........
Debt Consolidation Loans? I want to catch up with my bills and bring everything to a $0.00 balance and start fresh. My credit is poor and the late fees I'm paying wiht my bills are killing me. This is not Credit Card debt either. These are just unpaid bill that keep adding up. I would only need about $6,000.00 to clear all this up. Can anyone point me in the right direction for some help???
Do consolidation loans really help? i hear they are not that good but my question is are they better than a 28% credit card thats maxed at 5,000 and i seem to not be able to pay it on time.
Question on Debt Consolidation Loans.....? Does anyone know of any companies in the UK who will settle whatever debt you might have - directly with the credit companies concerned - thus allowing you to pay off one monthly sum - to just one company? Naturally I know there will be an additional fee involved!!!
Question on Debt Consolidation Loans.....? Does anyone know of any companies in the UK who will settle whatever debt you might have - directly with the credit companies concerned - thus allowing you to pay off one monthly sum - to just one company? Naturally I know there will be an additional fee involved!!!
Consolidation of student loans? So here's the deal... I'm 21, married, have a 7 month old son, and will be graduating in a year and a half (hopefully with an accounting degree). I'm getting mailed all these "deals" about consolidating my loans. Is there a catch? Are they really good deals? Some of them say to "consolidate by June 1 to lock in low rates." Are the rates really going to get high enough to seriously consider consolidation? Should I do it while I'm still in school? What about refinancing... is it an option? I've reviewed some of the other questions on this topic, so please try to be specific to my particular situation. Thanks
Debt consolidation for payday loans? Does anyone know a debt consolidation place that accepts defaulted payday loans? I have $2200 in payday loans and they are almost 3 months behind. they are threatening all kinds of legal crap, and i dont know what to do. I dont have the money to pay them back, this wasnt intentional but it happened. help.
I have a question for anyone who knows about car loans/consolidation of loans? I have a loan through a bank (cash) I still owe approx. $8500.00 on it - I would like to get an auto loan to purchase a new car - my question is can a person consolidate a loan through an auto loan pay off the loan for the bank and have the money left to buy a car. Meaning can I use an auto loan to pay off another loan the buy my car? Any websites on this would also help!!!
consolidation loan? ok, my situation is that I have a huge amount of credit card debt and a few other loans. I am not a "big spender" and financially responsible but a few "curve-balls" that life has thrown me has left me in a hole I don't know if I can climb out. What I am hoping to do is either do a debt consolidation loan or maybe 2nd mortage. I own a home but other family members stay there and I was hoping to one day own one for myself. So I guess my question is what are some of the pros and cons of debt consolidation. What would I do or need to do to take out a home equity loan?
Loan Consolidation Questions? I have some questions regarding consolidation loans. I have never taken one out before but I am thinking about consolidating my acquired debt. I do not have student loans, and the amount that I would need to consolidate would be no more that $3,000.oo Are there loans that would not require me to have a property to secure the loan? Where would I find a good lender? Do you have any other tips that I would need to know before doing this?
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!
Debt Consolidation Loan? I purchased a manufactured home about 2 years ago and I am making my mortgage and lot rental payments. I have a 15 year mortgage.I have a lot of credit card debt ( I pay about $900 a month in minimum payments). I would like to consolidate this into one payment so I feel like even if I am living pay check to pay check I am doing ok and pay them off and close the account. only want one card with a low credit limit. Plus the interest rates are high. I have good credit (approximate score 685-710 at last check) never made a late payment, or missed a payment no bankruptcy etc. So my question is should I be able to get a consolidation loan without a co-signor and is this the way to go. I would like to also purchase a new car (lease is up and need to get a new one) should I roll this all into together or do seperate loans and will that even be possible. Any guidance would be helpful thanks.
Sallie Mae consolidation of private student loans debt.? I currently have $73,000 in student loan debt from undergrad/grad through Sallie Mae. The interest rate is 9%, and my montly payments are outrageous. After the capitolized interest, I will be paying close to $140,000 after 12 years. My great grandchildren will be paying this debt long after I am gone. What is the best way to consolidate this debt and get a lower interest rate and better monthly payments. I am living in hell right now. Any advice would be greatly appreciated. Thank you.
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