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.

Can you use a student debt consolidation loan for personal use? I have researched online and am still not clear on how this works. I really need a personal loan to help out with some other bills and am no longer able to take my classes. I am now in deferrment on my federal loan and they don't do credit checks or anything for a consolidation loan. Just curious.

How do I know if I am eligible for student loan debt consolidation?

I need to advertise for a student loan debt consolidation company that targets students around UF, ideas? By UF I mean the University of Florida, I need some way to network myself with the soon to graduate and the med school/law school/graduate school students. I don't need a debt consolidation company, I'm going to start working for one. I need to advertise for it.

Student Loan Debt Consolidation? Where can I find help for student loan debt consolidation? 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.

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.

Have 109K in private student loan debt...consolidation? Spare me the comments on how I should have got scholarships- tried that since my FAFSA says my EFC is 28000 I DO NOT get any fin aid, consequently when I apply for scholarships (which I did 166 freshman year, 82 my sophmore year, 63 junior, and 97 this year-senior) I have not gotten approved for any scholarships or grants. I need someone that has consolidated a PRIVATE student loan (mine through aes) and what they did. Any information is helpful because Ive seen alot on here but dont really know if theyre legit... thanks!

Will applying for (and receiving) a debt-consolidation loan damage my credit? I have numerous debts (car payments, student loans, a few credit cards, and a signifcant personal debt owed to a friend) that I'd like to roll into one monthly payment (which would hopefully be smaller than the amount I currently pay for each one as a separate monthly bill). Some people have advised me to apply for a debt-consolidation loan. My question is, will doing so affect my credit negatively? Do they even include student loans in debt-consolidation?

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!

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?

Will a "Debt Consolidation " company also help with Ed fund student loans that are now defaulted? I am considering looking into debt consolidation. My student loans are being garnished by ed fund from my wages. they have also just taken my Ca state income tax check. If I do debt consolidation, will they be able to stop my wages from being garnished?

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!

Does anyone know of a grant program for student loans? Not debt consolidation, but debt repayment.? Like most people, i didnt read the fine print and now sallie mae has my balls in a vice. I need to know if anyone knows of a federal grant program that will pay off my debt to sallie mae? This question has been posted before, but it seems everyone always points you in the direction of "debt consolidation". My goal is a program that will fully pay off the loan. Any one got some wisdom?

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 am a college student in debt 5000 dollars. Debt consolidation? Loan from the bank? PLease help what would be the best move for me?

Get out of debt consolidation loans ( student loans and personal loans from dad)How ???!? OK so a short back history to help you see where I am with my debt. - 10k in Student loans(way behind payments because they don't seem to get the money?.. - 3 K - Dad- helping me get passed my troubled years of trying to make it on my own and failing... -3 K for a loan taken out by my boyfriend so we could move..out of state.. this is not due yet but will be soon. I also have a car about 15K (in my dads name ) this is not a must to have a Consolidation loan for but I would like to add it in that is current on payments but I would like to pay it off with a loan that I can repay with out it being in his name as he would like it no longer to be after this year. I have been at my job for 5 months now that I have moved and I make enough to have a few hundred per month in loan payments but I want to clear it all up with one new loan so im not "behind" Every one seems to know something about helping with debt but I don't have any credit card debt ... I need to know how to Take out a loan to fix this SO I can have the car in my name.. and pay off my student loans with a company that dose not jerk me around so I can handle it. If any one has any insight on this issue I would REALLY REALLY be thankful for your help. Thank you

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!

Help! What are my private student loan consolidation options? I have significant student loan debt. While I am currently awaiting approval for my federal student loan consolidation through a good company, my private student loan debt is just slowly multiplying. For the past few months, I have searched high and low for private student loan consolidation options, but apparently NOBODY offers private consolidation due to the "failing economy", as some Web sites put it. For the past 60 days, I have spoken to Salle Mae dozens of times, attempting to get them to help me with some sort of payment plan that I am able to afford, but they refuse to make my monthly payments any less than 1/3 of my monthly income. While I wish I made enough money to pay that much alone with rent, utilities, and food, I unfortunately don't I feel lucky to even have a job in this economy right now. Sallie Mae has been harassing me for the past 30 days to pay my now-overdue loan, still refusing to make payments even remotely affordable for me. I receive from them 5-10 phone calls as well as 4-8 e-mails daily, and each time I have told them if I pay what they are forcing from me, I woudln't have a place to live or food to eat, but their general reply is, "I'm sorry, then don't pay." This is my last resort, hoping somebody out there knows good ideas that would be willing to share them with me. If I don't make a move soon, they are going to start garnishing what little wages I have. Does anybody have any useful information that could help me out? I've tried private student loan consolidation with Sallie Mae, AES, and multiple companies, but nobody seems to be doing it anymore.

Where can I find information on student loan consolidation, both private and federal? I have about $50,000 in student loan debt multiple student loans. About half of my debt comes from federal loans (both subsidized and unsubsidized), and the other half is from two separate, private lenders. I graduate in May, but I can't find information on consolidation. I already have a full time job after I graduate, but making multiple minimum payments to different lenders seems a little ridiculous. Does anybody have information on how I can consolidate my loans into one loan? Most consolidation programs only let you consolidate your federal loans. Like most recent college graduates, I won't have any collateral to take out a "conventional" loan from a local bank. Also, I would like to do this from a company that will keep the loan classified as "student loan debt" to take advantage of the tax benefits. Thanks for any advice you can offer. ** I am aware of the pros and cons of loan consolidation. I would like to explore this option for having the convenience of one payment as well as having the option of a lower monthly payment

What happens after you consolidate a federal student loan? When you include a Federal student loan into debt consolidation? What is the benefit of doing this?

What is the benefit of consolidating a federal student loan? What happens after you consolidate a federal student loan? When you include a Federal student loan into debt consolidation?

After debt consolidation, what are the chances of getting a student loan ? ?

Secured loan debt consolidation? I need help with my SECURED loans. I have three secured loans, one for my car, the other two are for student loans. Are there any good programs out there that can help me with my secured loans? Yes I have done an internet search but all I found was unsecured loan consolidation. Please help! Thanks!

Any proposed student loan debt elimination programs or interest rate reductions? Has anyone heard if Obama's new budget includes anything about possible programs to help cut down student loan debt or a move to lower interest rates, particularly for consolidation?

Is it a silly idea to get a debt consolidation loan to pay off another loan? Someone told me to do that to pay off my student loans and credit card bills.

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!

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.

what is the best debt consolidation company for private and student loans? Got private bank loans and a couple student loans. I don't want someone to scam me for consolidation. What company should I use and what's a good rate?

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!

I live in canada can any one link me to canada consolidation debt loan loan student?

Bad credit debt consolidation loan? Here is what's going on with me. I have about 30,000 dollars worth of student loans, however I have them through more than one place...I have one through Astrive, a couple of Direct Loans, and one through Wachovia. I also have a car that my mom took out in her name and is going to want off of her credit that's around 13,000. So, it comes to around 50,000 total of debt. I would like a debt consolidation loan, not only to get the car off of my mom's credit, but to make things easier for me, because making the minimum payment to everything is going to cost me more per month than just paying one place. Plus, a loan will build my credit. The thing is, I have bad credit because I was swamped with medical bills a couple of years ago. Does anyone know of any companies that will give out either personal or consolidation loans of the amount that I need and will work with people of bad credit?

student loan debt, please help? im to far behind on my payments and they already put it into debt collectors is there a way i can get debt consolidation for a student loan default?

Can I do a debt consolidation (not including student loans)and still be able to get student loans for next yr?

Will a debt Debt Consolidation pay off your child support? i know how a debt consolidation company works and once they pay off my debt i pay them back in monthly payments. But do they help/offer helping you pay off your child support debt and student loans?

Can you receive one loan for home purchase and debt consolidation? I would lke to know if there is a type of loan that will allow you to consolidate credit cards, personal loans, and purchase a home at the same time. I am currently a graduate student with student loans as well.

When you consolidate student loans, can you add credit card debt into the consolidation? I will be graduating soon with about 20k in student loans. I also have about 10k in credit card debt. Is there any way to lump it all together?

Urgent: Need advice for paying off student loans while in debt consolidation program for other bills.? Anyone out there with a good strategy for repaying the money I borrowed for tuition? I am currently enrolled in debt consolidation program because I lived to frivolously in my youth. I am also one of the primary homecare providers for a terminally ill parent. Thank you for your suggestions in advance! I am gainfully employed but have other monthly expenses such as a mortgage.

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.

Student loan debt question? I'll be graduating this summer with about $17k in student loan debt. I've accumulated about $3k in savings so far, and I'm hoping to save another $3k for by the time I graduate (I work full time and still live at home). My question is what's the best way to approach the loan debt? First, none of my loans are consolidated yet. All but one $3500 loan is subsidized. Finally, I'd like to move out of mom's basement sometime in the next six months. Given that, should I look into consolidation? Should I dump a chunk of my savings into the loans to pay them down quickly? Should I jsut stick with the minimum monthly payments and save my pennies?

Student Loan and Other Debt? If you go to grad school and have some other debt such as credit card debt, would you be able to get a student loan to cover that debt? Sort of a debt consolidation, except your getting a student loan to cover credit card debt.

can anyone list some excellent sources for consolidation involving student loans and credit card debt?

Does anyone know a non-fraud debt consolidation company that i could use? 15k in credit card debt, 17K in personal student loan debt, 15K in government student loan debt, 15k in car loan debt. All im trying to do is consolidate my CC debt. The rest i will deal with with later. Anyone know of a legit company? No marks from credit solutions please! i know you guys are on the ripoff report and i have called the better business buereau about you and know you are bad business and fradulent. STOP...READ.... NO MORE CREDIT SOLUTIONS MARKS!!! YOU GUYS ARE FRAUDS. CANT YOU READ WHAT I POSTED ABOVE AND YOU GUYS ARE STILL POSTING ANSWERS. GEEZ!!!

Help with student loan debt Im in trouble!? Ok heres my situation. My student loans are due. I the payment they are asking is way to high for my budget. I called and they cannot lower my payments without consolidation. Unfortunately I dont have a cosigner and my credit isnt good enough to consolidate! What can I do? I asked for lower payments and theres nothing they can do to help. The interest just keeps building.

College Student With Credit Card DEBT? I am currently a junior in college and I desperately used credit cards to pay off college since financial aid didn't cover it all so now I owe around 4,000 in debt. What is the best thing for me to do, since all of the accounts are closed, is there a college student credit card debt consolidation loan or?

Do you know a low interest loan out there? I think the low interest loan are student loan and debt consolidation loan. What do you think?

What kind of loan can I get to consolidate private student loans? I have $100,000 in private student loans from two lenders. The interest rate is over 10%. Is there a way to get another loan to pay this off at a lower interest rate? What kind of debt consolidation program should I consult? Most student loan companies only deal with Federal loans it seems. I keep seeing ads for mortgage loans with low monthly payments-- is there something similar I could get for a personal loan? THANKS!

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!

Where can I get financial consultation or advice on student loans, consolidation, credit scores and mortgages? I am a graduate student nearing graduation and have a heafty student loan around 160k. In addition, my credit score is poor because of a few missed payments. I would like to talk with someone who can give me unbiased advice on how to tackle my student loans as well as provide insight on possibly buying a house, consolidating my debt and raising my credit score.

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.

Debt Consolidation Suggestions? I have recently gone back to school to get my teaching license and racked up quite the debt. I now have a total of 30,000 in student loan debt on top of 8,000 in credit card debt. My husband and I have no assets except for my ancient vehicle. I'm looking for suggestions of places to go to consolidate this debt.

what is debt consolidation and what does it entail? debt consolidation for student loans

What happens after you consolidate a federal student loan? When you include a Federal student loan into debt consolidation? What is the benefit of doing so?

Can debt consolidation companies take debt from state universities? I have a $5000 bill with a state university and must have it paid before I can attend classes. I've used my federal student loan eligibility, and have been told that federal student loans cannot be used to remove past bills anyways (nor can student loan consolidators take the debt). I'm very close to graduating, just an error in judgement on my part caused a semester's worth of student loans to be rescinded and the bill (with huge interest) has sat at the university for a few months without my knowledge. So, I'd like to see if a standard debt consolidator would take the bill - and if not, where else I may turn. This is a pretty huge problem for me.

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?

Should we do a debt consolidation loan or credit counseling? My wife and I are both in are mid 20's and like most we are in credit card debt. We have no student loans(thanks to parents), both make a good income, built a brand new house, and decked out are house and lifestyle on credit!(30,000). So now were wiser after all the drama and interest, and not to mention are great credit is shit now so we need help. My father in law said he would do a loan in his name to get a great rate, but we don't want to do that. Our credit is so low now so we don't really know are options? We also refinanced to pay off alot, so thats out to.

Debt Consolidation Loan??? I am about to graduate from school (w/a degree in finance, go figure) and I was wondering what is the best way to go about getting a debt consolidation loan if my credit is really messed up. I have about $20k in credit card debt, $14k of which i havent even made a payment towards for over a year. $12k in a car that is up to date, and some student loans (roughly $25k I believe.) What is the best way to get a debt consolidation loan based on poor credit, my main goal is to be able to make one monthly payment so that I don't have to write 15 different checks each month.

what is the best loan consolidation company for low rates? i am 30. Earn £27,000 a year and would like to consolidate all of my student credit card debt and loan into one monthly payment. I have only just lefy Uni for the 2 nd time around and have only 1 months work in my new job. I would like to pay it off in about 7 years terms. which is the best company? my credit rating is ok, no missed payments

debt consolidation? are there consolidation loans that combine your students loans with any credit card debt?