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What is the best Private Student Loan Consolidation Program (substantial debt!)?
February 4th, 2010 | 
Author: 
brave.heart asked:
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.
Student Loan 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.
Student Loan Debt
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Consolidating School Loans
Since these loans are not backed by the government, most private consolidation loans will be credit based, meaning the interest rate will be set based on your credit history, just like the private loans you have now. If you want a lower rate, spend some time getting your credit score as high as possible and/or find a cosigner with good credit. Both can help lower your rate.
Bad Credit Debt Consolidation Loan
These are regular bank loans. Loans through banks differ in payment options and interest rates. Most banks will require some form of collateral for the loan. Collateral is something that the bank will get if the loan is not paid. State loans can be more expensive than government loans and are usually handled through banks. College loans are the most costly and should only be used on an emergency basis. There are also special loans that a student may apply for based upon certain factors, like military affiliation.
Check out for more information. When you are there, you can also ask them your question directly and get a personalized response from an expert. Ask your question at