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!

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!!!

How do I find information on government grants and/or government loans for starting up a new business? I am in need of funding for business equipment and software to start my own business from home. I have seen commercials regarding government money being out there and available for all sorts of reasons like, business start up, buying a home, renovations, debt consolidations, etc. But, these commericals are advertised by people who want a fee for the information on these grants and loans. I have always figure that if they could find this information then I should be able to also. And, I have looked on and off for awhile now and can only find information if I pay a fee to someone else. Does anyone have any suggestions or has anyone actually received one of these loans and/or grants?

I need some recommendations of places where one can get a loan for debt consolidation and education? With bad credit and being unemployed I need a loan to pay off a small amount of debt and a tuition for a 6 month education course so I can put myself in a better employment situation. Where could I find such a bank or company that would help me. I'm not eligable for government help, I earned too much money last year. Please, any and all advice would be greatly appreciated.

how do I apply for government loans or grants? well heres the thing im 20 years old and im $15,000 in debt. I have a couple of accounts in collections if not all now and i need help. The reason im in this situation is because of a series of infortunate events... I got arrested, motorcycle accident, lost my job, got evicted,... it just all happend at once... now i have a new job and i just wanna make one monthly payment but no bank is willing to give me a loan. I've tried debt consolidation/counseling companies but not all my accounts qualify... I just want to get back on track with life and go to school... plz help...

Home equity loan for a rental property located in Morristown, New Jersey. Purpose: debt consolidation? I am a landed immigrant in Canada, living in Edmonton. I have tried to get a home equity loan on my property located in Morristown, New Jersey. I have approached several major US-based lenders. I have been refused the loan because I am not a US permanent resident. I need your help to locate a financial institution (American or foreign) willing to work with me. I have an acceptable US credit score and my job in Canada is steady and well paid (I work for the Government of the province of Alberta). I want to use the funds to consolidate my debt. Thank you for your assistance!

Why does the government not control the interest rates and charges the credit card companies charge? Credit card companies are allowed to increase interest rates to over 30% if they want. They also determine that the consumer is a poor credit risk if they have high balances on loans without looking at the fact that payments have been made in excess of amount billed and on a timely basis. It also seems that when a person nears retirement age, most companies increase the interest rate to the extent that it cannot be paid by a person on a reduced budget. This forces the older person to either go to a debt consolidation company (which charges for their services also) or quit paying, with the risk of loosing any assets that they have accumulated. Either way, embarrassing, harrassing phone calls have to be dealt with. A younger person with no home can file bankruptcy and they have no permanent consequence to this action. I am 62, have paid my bills all my life and now all interest rates increased and I can't make payments, even with debt consolidation. HELP-PUT LIMITS ON CREDIT CO.

Question about consolidation of defaulted student loans...? I took out a student loan 5 years ago to go to college. Defaulted on loan (financially unable to repay). Collector for Texas Guaranteed Student Loans Blah Blah called me yesterday, and guided me through the steps for the online application for consolidating the defaulted loan here: www.loanconsolidation.ed.gov He said it is a government program set up to give people who have defaulted on student loans a second chance. Gentleman told me that if my applications is approved (and it probably will be), when it is processed, the record will show that I no longer owe money on a student loan. Question is: once the record reflects my new situation (loan consolidated, debt no longer shows up, etc.), can I apply for and get another student loan?

I have about $12,000 in debt.....? including $4600 in federal student loans. Where can I get like a government grant to reduce these debts? or where can I go so i can get some debt consolidation?

Loan Consolidation: My Situation and the Air Force? Howdy. After several years of attending different universities and accruing massive debt with still two years until a degree, I am now in the process of joining the Air Force so that I can get a career started and start paying off my loans. My private loans have totaled up to 40K, and the government/state loans have totaled up to 15K. I am obviously looking into consolidating these loans since I am currently paying four different lenders. My credit is great so I am not worried about that. How should I go about approaching my situation and which lenders would you recommend? I am also considering going back to college several years into the Air Force, which I will be able to get paid for by the military though. Will this cause any problems? Hopefully I can get some good info so I can research your suggestions further. Thanks

UK debt- one creditor £10k, help? I've been trying to pay off my debt and have successfully reduced it from £15k to just under £10k now. Unfortunately, i also became pregnant, and am due to be out of work shortly (i only have a temp contract so no maternity payments, only government ones). My debt is owed to just one sole creditor (was a consolidation loan i took out 2 years ago). I will be living on benefits for a time after my baby is born. What can i do?! My debt is not huge enough for IVA, yet i will have no income.. what can they demand/do to me if i cannot pay? Is it a more difficlt situation because there is only the one creditor?

I need the names of some trustworthy companies that offer Debt Management Plans? I will not qualify for government grants. I cannot get another consolidation loan. I do not want to use a debt negotiation service. My credit is good right now. I have paid all my bills at or above the minimum on time for over 7 years, and any blips on my credit have just recently "dropped off" my credit report. However, I am struggling, and things are about to get worse for me, and very soon I will start to be in the negative. I need help that won't ruin my credit score I have worked so hard to repair. If you have used a Debt Management Program and did not have to pay any additional fees, nor make any payments until all of your creditors accepted you into the program, please pass the name along to me.

Married and money problems? Ok i have a full time job, And currently working a temp job everyonce in awhile. im not the type who plays the lotto, or belives it's possible to win. i currently live in amarillo & im 23 yr old AND married. She's 20yrs old and also works a full time job. we have no kids. Now that i described thing that our nessecary i need help, my rent is really high, and im suffering from debt several payday loans Which i KNOW i should have never taken out. so pelase dont go on abotu the evils of Paydays loans...i have learned my lesson. i have sold or pawned everythnig i have to make it, but we just dont have enough money to keep going like this, the church helps everyonce in awhile with food But thats all. We dont have any friends or family who is willing to help us...where alone in this mess. Basicly i need help I need to know is there ANYWAY to make Fast or EASY money? legal?, illegal?, Government?, or just normal help I dont care really i just need to get some extra money, to pay off the debts. if i could just pay off the debt or at least consolidate all of it to 1 easy monthly payment it would help. Problem is im not elgable for Debt consolidation, So i dont know what to do anymore. Finaly i have pretty bad credit AND my wife has ZERO credit....we dont have ANYONE willing to co-sign a Large bank loan to help me Consolidate it. PLEASE anyone out there who knows how i can make easy money or how i can get a bad-Credit no co-sign Conslidation loan or even just some way to feed my family. im young and i make mistakes, but now i learned from them and im ready to get out of my mistake and learn from all of this. we already live in a studieo apartment, and the rents high no matter where i look, we actulyl got a cheap place comapred to the rest of town. we already cut everything hince the selling stuff now... bankruptcy cost $700 doller how am i going to get that if i cant even make the normal payments??

help money troubles.? Ok i have a full time job, And currently working a temp job everyonce in awhile. im not the type who plays the lotto, or belives it's possible to win. i currently live in amarillo & im 23 yr old AND married. She's 20yrs old and also works a full time job. we have no kids. Now that i described thing that our nessecary i need help, my rent is really high, and im suffering from debt several payday loans Which i KNOW i should have never taken out. so pelase dont go on abotu the evils of Paydays loans...i have learned my lesson. i have sold or pawned everythnig i have to make it, but we just dont have enough money to keep going like this, the church helps everyonce in awhile with food But thats all. We dont have any friends or family who is willing to help us...where alone in this mess. Basicly i need help I need to know is there ANYWAY to make Fast or EASY money? legal?, illegal?, Government?, or just normal help I dont care really i just need to get some extra money, to pay off the debts. if i could just pay off the debt or at least consolidate all of it to 1 easy monthly payment it would help. Problem is im not elgable for Debt consolidation, So i dont know what to do anymore. Finaly i have pretty bad credit AND my wife has ZERO credit....we dont have ANYONE willing to co-sign a Large bank loan to help me Consolidate it. PLEASE anyone out there who knows how i can make easy money or how i can get a bad-Credit no co-sign Conslidation loan or even just some way to feed my family. im young and i make mistakes, but now i learned from them and im ready to get out of my mistake and learn from all of this. Rent is cheapest in town due to the fact my in-laws our renting us the aparment But wont let us live there for free REGARDLESS of the Sutiation. also bankruptcy cost $700 how can i file Bankruptcy if i cant even make minmal payments on the loans!

Anyone other than Wellsfargo & Chase still doing private student loan consolidations?.? I have a problem here and I’m hoping someone can give me some direction. I have about $50k in government backed (sub & unsub) student loans I used for my bachelors and masters. Those are now coming due and I’ve got an application into the US Dept of Ed to get a federal consolidation on them. I think that will be fine and roll into one manageable payment. BUT I also have another $70k in private education loans with a few different lenders that I needed to make up the gaps over the years. I need to consolidate those but it seems like not nearly as many lenders are doing private consolidations anymore??? I know why, the economy and credit conditions. Chase and Wellsfargo are still but I tried and they both denied me saying my debt to income ratio is bad. I have like a 750 credit score and about $60k a year in income and beyond these education loans though I have a small under $15k car loan and that’s it, no credit cards?? The several different payments spread out on these private ones are high and killing me. Does anyone know what I can do or where I can turn?? It looks like the Dept of Ed won't touch private loans either, tried that avenue...Thanks.

Financial Problems and NEED help FAST!!? Ok here is the thing, we have been VERY STUPID in the past and as a lot of americans do we are living very outside of our budget!! We have taken out several small secured loans, and need help to pay everything now! I am in college and my husband works like crazy, I also have a part time job but it basicly pays for daycare for my children so that i can go to school. We make too much money for any kind of government help but not enought to make ends meet. We have recently tried to attempt debt consolidation but all the companies we tried could not help us with the loans!! We are slipping farther and farther behind each month and desperately need help!! IS there ANY advice that ANYone could give us?? We are at the point of considering bankruptsy but don't really know what it would do for us if anything!! We really need help or we will loose everything that we have, which is not much, really just our car that we owe more on than it is worth. OH yea to top it all off, we have bad credit!

really need help? 1: Which was NOT a major success of Reconstruction in the South? an end to racist government policies the transformation into an industralized, urban region an end to tensions between the North and South all of the above 2: The main goal of the Ku Klux Klan during Reconstruction was to prevent African Americans from exercising their rights gain control of the state legislatures restore the Confederacy improve the conditions for poor whites 3: The Fourteenth Amendment was part of a series of laws that changed the way a President could hire government officials ensured the civil rights of African Americans restored the balance of power between the President and Congress shifted the balance of power in favor of the Supreme Court 4: Reconstruction succeeded in rebuilding many of the South's plantations forts railroads banks 5: The expansion of American industry was sparked mainly by public welfare programs technological advances and financial investments a decline in productivity in Europe government involvement in the economy 6: One thing a person could do in 1900 but not in 1865 was ride on a train sew a dress play a phonograph read at night 7: How did John D. Rockefeller gain control of the oil industry? He formed a trust. He practiced vertical consolidation. He joined a cartel. He practiced free trade. 8: The nation's first major labor strike was begun by railway workers angered about wage cuts and unsafe trains steel workers upset by the use of scabs women protesting lack of advancement in factories Pinkerton agents who threw a bomb at police 9: What was the one key requirement that applicants had to meet to receive land under the Homestead Act? They had to live on the land all year long. They had to farm the land for five years in a row. They had to file a claim with a bank. They had to wheel portable cabins from plot to plot 10: What was a major incentive in the settling of the West? the legal, private ownership of land the award of large land grants to the railroads the desire to limit slavery the refuge offered for outlaws and the oppressed 11: One reason that the United States became more urban during the late 1800s is that farm machines and factory-made goods reduced the need for farm labor nobody wanted to live on farms anymore immigrants did not know how to do farm work union organizing of farm workers had not yet begun 12: Where did European immigrants often settle in the United States? in western railroad towns in their ports of entry in the South near lakes 13: Prohibition groups saw a link between drinking and abuses by big business lower public morals anti-Asian feelings high tariffs 14: Reformers who tried to solve social problems by helping the needy believed that immoral behavior should be punished by deportation stricter laws were needed to discourage unacceptable behavior prosperous Americans should lead reform efforts the cultures of immigrant groups should be respected 15: During the late 1800s and early 1900s, what segment of American society was most likely to attend college? wealthy white men New Englanders gifted students middle-class women 16: During the early 1900s, most African Americans who went to college attended fully integrated universities African American colleges religious-based schools separate branches of white colleges 17: How did southern states keep African Americans from gaining political power? lynching segregation voting restrictions de facto discrimination 18: Why was the Open Door Policy important to the United States? It gave the United States territory in China It gave the United States access to millions of consumers in China It increased Chinese investments in the United States It kept European goods out of China 19: The United States followed a policy of expansionism in the late 1800s because European nations were eager to sell rights to their colonies many Americans were demanding high-quality foreign goods US factories needed foreign laborers the nation sought more markets for its goods 20: The first action of the Spanish-American War took place in the Philippines the Gulf of Mexico the harbor at Santiago, Cuba Puerto Rico 21: Among Latin Americans, United States actions related to the Panama Canal created hope for a prosperous future ill will toward the United States calls for Roosevelt's impeachment a long-lasting economic crisis 22: Progressivism was halted by the efforts of the NAACP World War I the repeal of the prohibition amendment the victory of the Bull Moose Party 23: Which belief was held by most Progressives? The government should be more accountable to its citizens. Housing and healthcare should remain private. The government should protect agricultural interests. The government should intervene in unfair business practices. 24: One goal that Progressives did not seek was the moral improvement of society the reduction of government corruption a ban on strikes child labor laws 25: One way reformers hoped to end corruption in government was to establish an income tax give voters more direct say in lawmaking provide more welfare services use the army to oust political machines 26: The platform of the Bull Moose Party supported unregulated competition the 12-hour work day women's suffrage a Federal Trade Commission 27: Under the terms of the Sussex pledge, the German government promised that the German navy would not attack any American ships German ships would not blockade Britain and France German U-boats would warn ships before attacking the German army would never invade Russia 28: The United States decided to enter World War I in response to Germany's return to unrestricted submarine warfare France's fall to the Central Powers the Czar's growing support in Russia a filibuster by United States senators 29: German submarines aimed to atack ships that were carrying weapons to the Allies passengers to the United States food to the Central Powers oil to Mexico 30: At the Paris Peace Conference, President Wilson's program for peace angered the Russians met no resistance among the Allies was backed only by France underwent several changes 31: After Wilson presented the treaty to the United States Senate, the Senate ratified it only the "irreconcilables" backed it the Senate rejected it only the "reservationists" backed it 32: One result of Prohibition during the 1920s was an increase in alcoholism a decline in dancing and socializing the rise of organized crime the creation of urban artistic colonies 33: Which of the following was a long-term effect of Prohibition? the consumer economy the growth of organized crime an end to alcoholism in the United States the rise of fundamentalism 34: William Jennings Bryan took up the cause of fundamentalist Christians at speakeasies in Chicago on new buses to the suburbs at the Scopes trial in Hollywood studios 35: Key features of Republican administrations of the 1920s included expansionism and business regulation isolationism and laissez-faire business policy a buildup of armaments and armed forces reduction of quotas and increased immigration 36: Why did many Americans fear Vladimir I. Lenin and his followers, the Bolsheviks? They promoted a system that was hostile to American values They refused to pay back Russia's war debts They had abolished the Russian monarchy They encouraged other nations to reject socialism 37: Generally, the 1920s were marked by rising farm prices rising stock prices falling production falling wages 38: One sign that the economy might be weakening in the 1920s was uneven distribution of national wealth underproduction of consumer goods an increase in personal savings the collapse of large corporations 39: Which statement best describes the American economy in the 1920s? Wages decreased and the economy appeared weak Unemployment was at an all-time high Stock prices rose and the economy appeared healthy Small businesses dominated American industry 40: In the fall of 1929, a wave of panic selling gripped the stock market as a result of a sudden fall in stock prices corruption among stockbrokers business failures government limits on speculation 41: Not long after Black Tuesday, the stock market crash was affecting only those who had invested heavily in stocks wealthy industrialists almost exculsively millions of Americans, many of whom had never owned stocks mainly stockbrokers and banks 42: Why did FDR declare a "bank holiday" early in his administration? to cut of the use of cash to weaken the banking industry to inspect the financial health of the banks to give people in the banking industry a well-earned vacation 43: Which New Deal agency was created to help businesses? Federal Reserve Board National Recovery Administration Civilian Conservation Corps Home Owner's Loan Corporation 44: Which of the following did New Deal programs fail to address? protection of domestic workers low prices for agricultural products the decline of industrial prices Native Americans' need for schools, hospitals, and irrigation systems 45: All of the following New Deal agencies still endure today except the Tennessee Valley Authority Federal Deposit Insurance Corporation Civilian Conservation Corps Securities and Exchange Commission 46: What did Italy, Germany, and Japan have in common in the 1930s? They overturned traditional governments and established democracies. They were economic giants and together controlled world trade. They sought to solve their nations' problems through conquest They angered other nations by their persecution of the Jews 47: Although Communists and Fascists have traditionally been enemies, in 1939 which Fascist made a pact with which Communist? Hitler with Chamberlain Hitler with Stalin Hitler with Franco Stalin with Franco 48: Nazism was an extreme form of communism fascism nationalism none of the above 49: During the 1930s, the United States focused largely on preparing for war domestic affairs international affairs international and domestic affairs 50: Congress passed Neutrality Acts that were designed to support other neutral states around the world support other nations in the Western Hemisphere limit international involvement allow nations to purchase weapons on credit I know this is a whole lot i have done all this i just dont wanna turn it in untill i know its totally right please helpp &&&& please if you have nothin good to say and if your going to yell at me not comment.. THANX

My GF used her moms credit card to pay for a new furnace when old one broke. Now we cant afford payments.? Basically, it was the middle of winter in Minnesota and with 5$ to our name, the furnace broke. We applied for a few government sponsored loans (SEMCAC I believe was one) and were rejected from each. Her mom then said my GF had to buy central air and consolidate her other CC's on a single card if she was to borrow the money, so she did (against my urgings). So here we are a year later, saddled with a 500$ min payment on a CC that was 4% but is now 25% because the introductory rate ended right around the time the company decided to hike most rates across the board. Between student loans, mortgage (we are trying to sell the house, but it's been up for almost 10 months and won't sell), credit card, and cost of living we are BEYOND our limit. We cannot take the debt from her mom back onto ourselves to enter into some sort of debt management program, because of all the aforementioned issues. Beyond this, she has racked up quite a debt herself, some $50k or so. She is at the end of her line as well. She will not try for some sort of consolidation or bankruptcy options. Any ideas on what to do? Wanted to add a few things. 1. GF is making almost all of the payments since I am currently in college. 2. Can't file for bankruptcy when the card is in her moms name not hers.

Credit Problems? I have more than horrible credit, including a bankruptcy chapter 7, collection accounts, charge offs etc. I have it all pretty much. The government is even garnishing my wages for student loans. Why do I get flyers from banks and financial institutions telling me that they can help me regardless of my credit history, and when I can the first question is: "How good is your credit?" I'm trying to pay off my debts but I want to get a loan and just have one payment. Consolidation companies can't help, bank don't want to lend, I can't get government help cuz they are already garnishing my wages, and credit card would only give me about $500 credit line. I owe way more than that. I owe a total of $30K. Any suggestions as to what my options are.

how do I apply for government loans or grants? well heres the thing im 20 years old and im $15,000 in debt. I have a couple of accounts in collections if not all now and i need help. The reason im in this situation is because of a series of infortunate events... I got arrested, motorcycle accident, lost my job, got evicted,... it just all happend at once... now i have a new job and i just wanna make one monthly payment but no bank is willing to give me a loan. I've tried debt consolidation/counseling companies but not all my accounts qualify... I just want to get back on track with life and go to school... plz help...