lightningboltjs asked:


I’ve nearly paid off my student loans, I’ve only got a few thousand dollars left and I could pay it all off by around June or so. I’ve paid WAY ahead, which some sources say has actually hurt my score by as much as 15 points. I know that the type of dept you have affects your credit score and student loan debt as a higher percentage of your overall debt is better than having 100 percent credit card debt even though I pay off the entire balance of my card every month. I was thinking if I kept $1,000 of student loan debt that might be favorable to zero, giving me some points for an older account and mitigating the size of whatever is on my credit card when they rate me, but I don’t know. Am I better off with zero or some? I have no idea.

Bad Consolidate Credit Debt

bkinning12 asked:


are due and we cant afford to pay them. What can we do?

Unsecured Debt Consolidation

Brian The Librarian asked:


What is the easiest and fastest way to pay off my credit card bills and student loan debt?

Credit Debt Consolidation Loan

capiror asked:


I will be graduating soon with about 20k in student loans. I also have about 10k in credit card debt. Is there any way to lump it all together?

Pay Credit Card Debt

melaniemia7 asked:


I have about $7,000 in credit card debt that I’ve aquired during the past 4 years of college. Now I’m graduated, can’t find a decent job, and going back to grad school. I’m having trouble even paying the minimum, and was wondering if I consolidated my debt if this would hurt my credit score. Oh yeah and I owe $30,000 in student loans, but those have already been consolidated.

Free Debt Consolidation