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graduate student loan consolidation

A student loan company accused of hiding fees in loan agreements cannot force the lead plaintiff in a putative class action into arbitration, a federal judge has ruled. Joshua G. Fensterstock, a 2003 Hofstra University School of Law graduate and now ...

Federal Court Bars Arbitration Over Student Loan Terms - Law.com

We've all heard the bad news about newspapers: the massive layoffs, frantic cost-cutting, and the shuttering of media institutions dating back to the 1850s. Thursday on Word of Mouth , we're devoting our entire show to this topic, and asking, how the ...

Are Newspapers Dead? - NHPR

Forty-six fourth-year USD medical students took one of the biggest steps toward a future career in medicine March 19. The students took part in the annual Residency Match Day held in Sioux Falls, said Dr. Paul Bunger, Sanford School of Medicineâ€™s ...

Residency Match Day stress pays off for medical students - Volante

The bills have been printed, the agreement announced, and now it's up to lawmakers to vote on the 2009-2010 state budget. The so-called three men in a room come out to announce an agreement for an on-time and timely New York State Budget, one even ...

Governor, leaders announce budget agreement - WXXA

One person died and several were injured in a multivehicle crash on Route 80 eastbound in Roxbury tonight, State Police said. The incident involved a tractor-trailer, which overturned near mile marker 28 and spilled steel beams across the highway ...

One dies, several are injured in multivehicle crash on I-80 in Roxbury - Newark Star-Ledger

Voting Question: I am looking for some advice on paying off student loans. I just graduated and am having a hard time.?

I am in the process of consolidation so that all the loans I got while in school are with one lender but I do not know how to determine where the best place to pay back my loans is? more

Resolved Question: How could I achieve student loan forgiveness?

I am graduating with a master's degree in civil engineering in May 09 and I owe $50,000 in student loans. They are all Federal Staford loans; half unsubsidized and half subsidized. I've seen partial loan forgiveness programs for the state of Missouri. However, I live in Texas so this doesn't help my situation at all. Any thoughts (excluding loan consolidation)? more

Resolved Question: Student loan repayment?

I need help. My student loan due date is quickly approaching.. I graduated in Augus of 08 and have not been able to find a full-time job.. or a job in my field (although I have been on interviews and am still waiting to hear back from a number of employers - including USDA and FDA). I know forebearance is an option, but is there any type of consolidation option, or anything that my lower my interest rates/payments. I want to pay what I can, but I know between rent, car payments, gas, and groceries (even though my diet now basically consists of sandwiches, cereal and milk) that it won't be much on a part time job. What are my options? My Int. rate is somewhere around 8.15%. I know these types of requests won't be met happily by my loaners... but I have no option. :) Thank you levings. I am in the process of contacting them (apparently along with plenty of other people- I'm on hold :P) more

Resolved Question: Are there any banks or agencies still doing student loan consolidation?

I'm a recent college graduate, and it seems that all of the banks which used to offer consolidation services are no longer. Do you know of any banks or loan agencies that are still consolidating? more

Resolved Question: 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 more

Voting Question: What is the best way to reduce/consolidate my student loans?

I'm about to graduate from medical school. I have several Stafford/Perkins Loans totaling $28,000 -- all from undergraduate and graduate education. I also have two private loan totaling $75,000. What is the best way to consolidate my Stafford/Perkins Loans into one payment? Also, is there anyway that I can lock my private loan into a lower interest rate through consolidation? If so, what lender offers best rates -- as my $75,000 private loan is currently locked at 10%. more

Resolved Question: Student Loan Consolidation Help Please!?

I am a May 2008 graduate with a significant amount of debt. Because I transferred, I have over $50,000 in a number of private and federal loans from different companies in two different states. I just have a few questions about consolidation. 1. Can you consolidate both federal and private loans into one? 2. I just started working, so I don't make that much, do you think consolidation is a good option? I can make the payments, but it makes everything else a lot tighter. 3. If I consolidate, what companies can I trust? 4. What companies are best? 5. What if I go back to grad school later and need to take out loans again? Can I add to the consolidation? Or does something else happen? Any information will help. I am trying to be responsible and budget, but having a number of student loans is making things pretty difficult. Thanks in advance! more

Resolved Question: Private Student Loan Debt---Can you answer this?

I owe almost $100,000 in student debt, $80,000 of it being private. When you add up all my payments, i will have to pay $1,300 a month. Someone suggested that I consolidate my loans for a lower interest rate and payment, but no one is offering consolidation because of the economy. I have no idea what to do and know very well that I will not be able to make my loan payments and regular bills when I graduate. I am in big trouble!!! more

Resolved Question: Student Loan Consolidation....Again?

A few years ago I consolidated Student Loans because the rules were about to change. I am soon to graduate and am confused as to whether I can consolidate again more

Resolved Question: Where do I start? Deep in debt and terrible credit, I finally have a new good paying job but is it too late?

I just finished college and I'm about $8000 in the hole with credit cards. about $3000 of it is in collections...but it's not a third party collections company if that matters, it's still within the credit card company. My grace period for my student loans ($28000) just finished and now requires payement. my credit score is in the 500s. Since I have graduated I have finally been able to make decent on time payements, but my interests rates are ridiculous and my payments aren't doing much of a dent, I'm paying about $700 on my cards a month which half of it almost goes to interest. i can't qualify for anything financial like consolidation loans...what do I do? im desperate and want to fix it...who do I go to? should I get someone to come in a straighten it out, or can I should I take care of it myself? my budget is tight with my other bills since i live alone and have to take care of rent, insurance, student loan payements, etc. on my own. I tried to call one of my credit card companies to lower the interest but they said I had to go through a debt consolidation company in order for them to lower it. is it best to go to someone? more

Resolved Question: Education loan AFTER graduation? Education loan for debt consolidation?

I'm graduating at the end of the semester. I've worked my entire way through school. My wife and I have one son and another on the way. We're finding it hard to make ends meet and I'm pretty sure my degree won't get me a better job after graduation. I plan on getting into grad school, but it is so expensive to apply everywhere and I don't have the $1,000 or more I will need to apply to the various schools I chose. I hear of many college students getting large loans to cover all of their debt to consolidate everything they owe. They pay off credit cards, cars, etc. I know it's only a temporary fix as you still have to pay everything off, but is it a good idea? Plus, is there even any way I can get an education loan AFTER I graduate? Is there such thing as a good, low rate education loan to help you get into grad school? more

Resolved Question: Filing for bankruptcy. What do I need to know?

Here's my situation. I graduated from college in December 05 and believe it or not, I have not found a full time, good paying job yet. Yeah, I believe I just wasted money and energy on nothing. Anyways, I'm working a part time job and make approx $500 a month. I have $5,000 in credit card debt, most of which I'm still paying from when I was in college 3 years ago (books, food, so on) I have $5,000 in student loans, $2,000 in medical bills, and it seems everytime i make a payment, it goes to waste because the interests keep rising. I even pay more than the minimum payment. If a credit card is lets say $60 minimum, I will pay about $105, but it's still not good enough cause the interests will raise that back. I can't keep going like this. My credit score is crappy so I can't get a consolidation loan to pay all of it all. Would I be able to file for bankruptcy? I have tried everything to get out of debts. I don't charge anything to my credit cards any longer, but it is still that bad. What should I do? more

Resolved Question: will getting a federal consolidation loan affect your chances of getting graduate school loans?

I have two jobs and still struggle to pay my student loans and for this reaosn I am considering a consolidation loan. Eventaully I owul dlike to go to graduate school. If I were to get a consolidation loan would that affect my eligibility for grad school loans in the future? more

Resolved Question: 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? more

Resolved Question: Removing Yourself as Cosigner to Child's Student Loan?

My neighbor signed as a cosigner to her son's student loan. The son has graduated (nearly 1 year ago) and has moved away. He is now not paying his student loans on time and the creditor, Sallie Mae, is now threatening to report negative payment information to the parent's credit file at the bureaus. Is there any way of removing yourself as a cosigner to a child's student loans ? Can the son do a student loan consolidation and drop his parent as a cosigner ? more

Resolved Question: What is going on with this loan?

I applied for a debt consolidation loan last Friday the 6th. I have 3 credit cards totaling 1,500 dollars and I asked them to increase the amount by 700 so I could catch up on some utility bills. I don't have good credit because I'm a college student with lots of loans so I put my car up for collateral. I work full time and make 25,000 dollars a year. The loan is a 24 month loan for 2,300 dollars. My car is worth 5,000, but they took the lowest value for 3,000. The loan agent told me she would call me back once she found out. She didn't call me back so I called her on Saturday and she asked me when I was graduating and when would I be starting to make payments on my college loans I told her November 09â€ is when payments start. She said would call me back Monday, she didn't call me back today after I called and left a message but she didn't call me back. What is the deal does it seem like I got the loan or not? Does it take this long to get approved for a loan? more

Resolved Question: Student Loan Repayment and Consolidation?

Hello everyone! I just graduated and have about $100,000.00 in total student loans including Govt. subsidized / unsubsidized Stafford Loans and Private loans. About $50,000 is in Stafford loans with an interest rate of 6.8% and $50,000 in "Signature Private Loans" at about 10%. They are all with Sallie Mae. I'm in the 6 month "grace period" now. I'll be going to graduate school starting this spring (in seven months) Any advice on if/how/with who I should consolidate my loans with and how do my interest rates look. Any ways to get them lower? I have great credit, a co-signer with great credit and a full time job. Any help on figuring out the best way to pay this stuff back/make my payments lower, would be great. Any other advice is also welcome /and/or personal stories from those who have gone through this process. Thanks! more

Resolved Question: 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. more

Resolved Question: Student Loans Repayment?

Hello, I have 3 students loans that I have accrued throughout my college career. I recently graduated and have begun thinking of repayment options. Two of the loans are government loans, and one is private, Stafford Loan, Perkins Loan, and NJ Class loan respectively. I was wondering what the best option was for repaying i.e. loan consolidation or paying each loan separately. The Perkins I would not include in consolidation as it experiences a fixed rate of approx. 4%. I was thinking it might be possible to take out a regular bank loan (especially with these low interest rates) and use the proceeds to pay back all my loans and only have to worry about this new bank loan. Does anyone know if that is possible? Thanks very much in advance. more

Resolved Question: Over $100,000 in student loan debt. I don't make enough $ - HELP!?

I graduated from college in December and my student loans are beginning to come due. As of right now I only have 4 loans in repayment and I already can't afford them! I got a good job after graduation - entry level but still in my field. In July the rest come due and I have no idea what I'm going to do! I've missed my payments for last month because I just can't seem to make ends meet. I'm trying to find a 2nd job but so far no luck with this economy. I've been hearing that I need to get a consolidation loan but I'm not sure what to look for in a good one and I need to find one that can consolidate both my federal student loans AND my alternative student loans as well. Can anyone help me?! Also: Is there anything I can do RIGHT now to help with missing that payment before I miss another one and they start talking about defaulting?! Obviously I'm overextended with my finances but I don't know what to do about that... The whole reason I HAVE so many loans out to pay for college is because my parents will not help me with any education expenses. They believe I'll appreciate it more if I pay for it myself but made too much $ for me to get enough financial aid. Asking them for help is out of the question. more

Resolved Question: 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? more

Resolved Question: 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 more

Resolved Question: 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? more

Resolved Question: 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. more

Resolved Question: 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. more

Resolved Question: 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. more

Resolved Question: 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? more

Resolved Question: 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!). more

Resolved Question: Should I refinance my car?

My mom financed a car for me last year. She is the primary person on the account, and I was a co-signer, because I had just graduated from college and didn't have a good job yet. Now I am finacially settled, have good credit, and have paid all but $3,200 of the $7,000 loan back. The monthly payment is $140.00, but I have been paying at least twice that every month since I have been working because there is no early repayment penalty and the car loan has the highest interest rate of all my debt at 6.0%. She wants to sell the home I grew up in to buy an empty nesters townhome for herself. She wants to take out a mortgage for this, and I am worried that the loan she took out for me will affect her ability to get a good mortgage rate. Should I refinance my car so that it is in my name? Should I roll it in to a debt consolidation loan with my student loans (only other debt)? Is $3,200 at $140.00/ mo too small of an amount to affect the mortgage rate that she will qualify for? more

Resolved Question: 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. more

Resolved Question: what is a student consolidation?

I have a student loan out with sallie mae and I owe about 5 thousands dollars because I graduated and now I am attending a community college and I was wondering can I consolidate my student loan. I need some information on consolidating a student loan and what really is a student consolidation? And I am a month late on paying back my student loan with sallie mae its not in default. any advice more

Resolved Question: 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? more

Resolved Question: Should I consolidate my federal student loans?

I have undergraduate and graduate loans with interest rates over 8.02%. The amount of the loans are also significant. I know I missed the deadline for the rates at the end of June. But should I consolidate at this time? I am having a difficult time finding permanent employemnt also. Are there deferments/forbearrances with consolidation? Also, which are the best consolidation loan bearers (hope that's the correct term) to choose.? Thanks all for any assistance provided. more

Resolved Question: What pitfalls might I encounter when consolidating my student loans ?

I have $16,000 in student loans. I graduated in May '07 (6 months grace period ends Nov '07), and I need to know whom to trust in loan consolidation for an interest rate reduction. I have received several offers through the mail, each promising interest rate reductions (each lender uses letterheads suggestive of affiliation with my college). How can I find out the best strategy before my grace period expires ? more

Resolved Question: 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. more

Resolved Question: What is consolidation?

Hi. I am a recent graduate with loans to pay. I've been receiving calls and mail, about consolidating my loan. But what is consolidation in the first place? Can someone explain me? is this good or is it bad? and why to this companies offer it, is there some advantage to it. I am a foreign student to the US, and do not know all this things that are "normal" here. Could someone please explain to me? Thanks! more

Resolved Question: 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 ) more

Resolved Question: Searching for an apartment out-of-state. What am I doing wrong?

My boyfriend and I are finally moving in together. I just recently graduated nursing school and took my licensing exam (waiting for the results still, but I studied my brains out). I quit my retail job a month ago I had here in New York to prepare for the exam. Now we are stuck in limbo waiting for an apartment. Against my better judgment we have subscribed to 4, yes 4 of those apartment searching sites- 60 bucks a piece and still no luck. I have average credit because of medical bills from a car accident that were disputed. And he has poor credit because he got a consolidation loan 6 months ago to solve his financial issues/ student loans. He is in California already working two jobs and waiting for me. I'm waiting on my license and a apartment. My question is, after all that -- am I missing something? Is there a reason, two non-smoking, young, responsible adults with no criminal backround, no pets and two current sources of income cannot find an apartment in Southern California? more

Resolved Question: 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? more

Resolved Question: Consolidation Help!!!?

I am graduating soon and I want to consolidate my student loans as well as some other debt that I accumulated. Can this be done? Is there a way for me to get a loan for more than my student loan so that I can pay all my bills? (I am talking around 60,000) more

Resolved Question: 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! more

Resolved Question: How can one get a college degree while paying off a huge student loan?

A friend contracted mononucleosis and didn't graduate. Now she's trying to pay off a big student loan but must work menial jobs due to not having a degree. She feels as though she'll never get the loan paid, even with low interest and consolidation. Any suggestions? more

Resolved Question: Going to graduate school, consolidate now or later?

I have a question about student loans consolidation. I am going to finish my undergrad this summer and going to graduate school this fall, should I consolidate my loans now or after graduate school (3 years from now)? I am getting a lot of mail and phone calls from these company and I was just wondering if it was a wise decision to consolidate now? I have about 16,000 in debt from undergrad, and after graduate school, the total will be about 100,000. Thanks!!!!!!!! more

Resolved Question: 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. more

Resolved Question: 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. more

Resolved Question: 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! more

Resolved Question: 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. more

Resolved Question: 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. more

Resolved Question: Will debt consolidation lower my credit score?

I have about $7,000 in credit card debt that I've aquired during the past 4 years of college. Now I'm graduated, can't find a decent job, and going back to grad school. I'm having trouble even paying the minimum, and was wondering if I consolidated my debt if this would hurt my credit score. Oh yeah and I owe $30,000 in student loans, but those have already been consolidated. more

Resolved Question: Will I be able to purchase my first home?

I just got married and I am 25 years old and $25,000 in credit card debt with $25,000 in student loans. My husband is 23 years old and declared bankruptcy 2 years ago. He has no debt but will also have $25,000 in loans when he graduates in May. I have consolidated all of my debt and I am currently paying $490/month to the consolidation company. I should be debt free within 4 years. I am also paying $105 to my student loan. I have a really well paying job as does my husband, however, we want to buy a home soon and I am worried that I won't be approved for a mortgage. I am currently paying $650/month in rent and would rather be paying a mortgage. We can probably afford $700-$800/month. I have looked into Ameridream where they provide you with a down payment. Should I be as worried as I am that we won't get a home in the near future? What can I do to get a home? Sorry for the confusion. I have been paying the $490/month for over a year now towards the $25,000, so I have a little over 4 years left and now, less than $25,000 in credit card debt. more

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