michael asked:


Hi,

i’m twenty years old, and i took a years time off from college, and living on my own, costed me 600 dollars in debt.. i’m attending school in the fall for film to a 2-year community college, and then transferring to a 4 year.

do you think it matters that i’m a tiny bit in debt (i wouldnt really call 600 dollars tiny, but compared to the millions in debt..)

some people have said it doesnt matter because you are going to college

other people are saying i will need a co-signer.

can anyone straighten this out for me?

thank you!
i dont know how to comment below you

.. i know 600 dollars is not that bad, but do you think it will make it harder to get student loans without having to have my parents co-sign? (they aren’t willing)

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pete asked:


I have a student loan that wells fargo sold to debt collector, debt collector stated acct is closed and a lien was going to be put on co-signer property.

Loan Credit Card Consolidation

brighteyesue asked:


If one parent has co-signed on a student loan, then couple divorces, are both parents liable for the debt if the student defaults or is the co-signer screwed?

Credit Card Debt Loan

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

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joliejulia06 asked:


Hello all,

So, I need some serious help and I am pooling ALL of my resources to see if anyone has any help for me.

I am currently trying (and have been, for the past month or so) to consolidate my student loans. I have about $35,000 in private loans outstanding, and my grace period will be up come mid-March. I have applied for 7 different consolidation loans, through 7 different companies- all have been denied because they say I need a cosigner, as my credit is not strong enough to get this loan on my own.

Assuming a co-signer is NOT an option (which, as of now, it is NOT an option), does anyone know of anywhere I can turn? Any companies that do not base their decision SOLELY on credit? Companies that examine your situation, your income?

I am about ready to move out of the US and totally bounce on these loans guys (kidding… half kidding, anyway). If I don’t consolidate, I can’t repay, and if I don’t repay, I ruin my credit even further! If anyone has ANY resources- names,

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