hannahh asked:


I am in graduate school outside of the US and put off deferring my student loans until right before the grace period expires. The paperwork is now on the way, but the due dates for my first payment will happen before the loans are processed. Should I make the first payment?

I have the resources to do this, but I understand that there can be consequences later for consolidation (or something else, don’t remember exactly) if the loans go into repayment. Anyone know about this?

Student Credit Card Debt

Jeremy W asked:


Ok heres my situation. My student loans are due. I the payment they are asking is way to high for my budget. I called and they cannot lower my payments without consolidation. Unfortunately I dont have a cosigner and my credit isnt good enough to consolidate! What can I do? I asked for lower payments and theres nothing they can do to help. The interest just keeps building.

Consolidate Debt

amy asked:


I am trying to consolidate my Federal Student Loans but the consolidation people want a bunch of info about the loans that for some reason I dont have. Is there somewhere that I can get a list of the student loans that I have?? Any help is appreciated!!

Credit Card Debt Debt Consolidation

sf2cp asked:


Hi, back in 06, I was mislead by Sallie Mae through the consolidation process (another story all together) and long story short, I have did not consolidated my stafford loans. It equals to about 22k. My question is, since I am extremely dissatified with Sallie Mae’s service and dishonesty so far – can I switch to another company now and maybe consolidate at a later time?

Credit Debt

cwtt asked:


I have 5+ yrs of credit card debt and also had a repo about 2 1/2 yrs ago. I am able to begin getting my bills paid. Will credit consolidaton help or should I contact my creditors and set up payment arrangements. I have a least 5 credit cards, hospital bills, and a student loan. What is my best option?

Consolidate Credit Card