pi_helix asked:


I thought about consolidating with a different lender…any recommendations? Sallie Mae is no longer offering consolidations. Thanks for your help!

Credit Card Debt Elimination

DannyS asked:


I am a college student that had poor money management skills early in college. I am in about $9,000 worth of debt from the past 3 years (much is late fees) and the collectors have been calling me. Are there any good steps to take to get me on the road back to debt free? I’ve heard about loan consolidation and stuff but I don’t know if thats just a scam.

Credit Repair Debt Consolidation

Baby J asked:


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 09” 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?

Credit Card Debt Management

emily asked:


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?

Loan Credit Card Consolidation

complicatedtallblonde asked:


I have 2 student loans with Sallie Mae that total $25,000 and an ACS loan that is about $20,000. Total I have about $45,000 dollars in PRIVATE student loans. I have about 10 thousand in federal but the Navy is going to pay them.

Currently I am paying $300 a month to Sallie Mae, and beginning next month $200 to ACS. I would like to consolidate these loans to get a smaller monthly payment. I already called Sallie Mae and they no longer consolidate student loans.

Who do you suggest I go through to get a consolidation? I’m almost 23 and have enlisted in the Navy so I will have good job security. I do not know my credit score but I have gotten a credit report and everything was in good standing, nothing ever late or defaulted. I MUST get a consolidation without a co-signer.

Any info would be appreciated. Thanks

Business Debt Consolidation