bkinning12 asked:


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

Unsecured Debt Consolidation

Chris M asked:


I am 23 with a nine-month-old son, and I owe (on top of my student loans from college) approximately $30,000 in credit card debt. I am looking to do a debt management/consolidation program, but was wondering if I should just contact those credit card companies that say to call them if I have “financial difficulties” instead? Also, which debt consolidation programs would you refer, if any? Thank you!

Credit Card Consolidation Help

Joseph W asked:


I have an opportunity to become a pro scout for the a professional team, but i had to pay for school myself and it was not easy. I do not know a whole lot about debt re-consolidation or anything of the matter. My credit is ok, and the debt does not have to start being paid back until 6 months after i graduate, i have 8 grand in the bank, but i dont think its smart to blow it all on my debt since i dont really own anything!! any suggestions?? anyone been in a similar situation?

Credit Card Debt Elimination

Princessjacqui22 asked:


I have tryed debt consolidation places but I need to loan to be able to do it all because they dont cover some of my debt.

Private School Loan Consolidation

AIC fan asked:


I have 12k in credit card debt and 30k student loan. I hear that these places just make all your accounts go into default so they can settle for less. Seems like that would mess up your credit right?

Credit Card Debt Debt Consolidation

s.tarryn asked:


I have a lot of debt (credit cards, student loan, mortgage) but a decent credit score (about 690). I have never missed a payment but i cannot get approved for a consolidation loan because I have “excessive financial obligations”. We haven’t owned our house for very long so there is not much equity in it yet. We are paying out the nose on our cards and I just want to lower the payments so we are not living paycheck to paycheck. Does anyone have a suggestion?

College Student Credit Card Debt

ChicagoGuy asked:


In addition to my student loans, I also racked up some credit card debt while in school. I know its probably a long shot, but can you place that in when you consolidate? Just wondering. Thanks

Settlement Credit Card Debt

migueljuan asked:


I currently owe $45,000 in student loans and I am having a hard time paying them off. The loans are private (sallie mae) and I am not elligible for consolidating them via federal loans since I am not a US citizen. I was not able to get a visa so I had to leave the US. I live in Europe now.

I understand that declaring bankruptcy would not cancel out the student loans, but I have read that bankruptcy could cancel out credit card debt. I have a good credit score (790), so given some time, with an even higher credit score, I may be able to transfer my loans to a few credit cards.

What are the laws regarding credit card debt and bankruptcy? What difference does it make that I am not a US citizen and do not live in the US?

Credit Card Debt Elimination

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

millahi1978 asked:


Debt is no more than 30,000 US dollors (combined that is mine and spouse). If anybody can help me find governement funded programs that help people consolidate debts; that will be awsome.

Thanks.

Credit Card Debt Consolidation Loans