bigjayzizzle asked:


i graduated in december 08, i have had my loans in deferment / forbearance until now. i have multiple loans for a total of $30,000. I am currently working 2 jobs but am not making enough to pay 200+ a month and i have about 8 student loans. i am considering trying to consolidate all my loans so i can just pay one monthly payment instead of trying to keep up and keep track with multiple lenders but i do not know too much about consolidation or what company to go to for the consolidation loan. i do know that i will end up paying more in the long run, but rite now im barley paying my bills and rent as is and i don’t mind consolidating. i would really appreciate any advice or info anyone can give me on the topic. here is my current student loan picture some are at a fixed rate others are variable… none are in default…

stafford unsubsidized: $5,619
stafford subsidized: $18,279
Federal Perkins: $1,500
direct consolidated subsidized: 5,500
total = $30,898

Unsecured Credit Card Debt Consolidation

nik named mom asked:


I am paying almost HALF of my income out in student debt. No one can afford to do that. This is a new demand for payment. New debt. Do I have any options? My total bill is less than $5,000: so I haven’t found a consolidation loan. I can give them 25% of my total income, but not 47%!
Please read below and advise…
I attended University of Phoenix, was assured that I would not incurr additional expenses outside of loan. Now I have original loan, citibank loan, and U of P is after me for additional money. The original loan company was applied to for U of P loan, they said they covered it, balance reflects change, but citibank is coming at me saying they paid! Citibank refuses to provide proof that I borrowed the money, but are attempting to attach to my credit. U of P will not accept lower payments, without attaching my credit. Original loan is the only one with a sane payment, and I am out of deferments, unless I go back to school and add MORE debt.
This huge amount of payment is obviously temporary, the problem is that they all want to be paid right now.
Another thing… Can Citibank attach my credit without providing me proof of debt? How do I protect myself from this?

Personal Debt Consolidation

Dylan B asked:


I have 6 defaulted school loans for about $6500 and a $1500 credit card loan that I would like to consolidate all together if possible. Can anybody recommend a good consolidation loan that could help me? I am trying to catch up and get my finances in order.

Consolidate Credit Card

rakyn asked:


school loan

Consolidate Credit Card Debt

Holly Z asked:


I was in the hospital a while back and bills started piling up. I lost my job, was kicked out of school, and then my car broke down. I had no way to pay my bills and now that I have a job, I can’t pay any minimum payments on anything including my student loan. I was just wondering if it was possible to get a consolidation loan to pay one low payment with my extremely horrible credit.

Consolidating Student Loans