auroras asked:


one subsidized, one unsubsidized. As it stands now, he has ten years to pay off, at a monthly payment of $422.00. He cannot afford that payment. Which option would he benefit more from: consolidating OR 25 year extended? Please advise anyone who has had experience with this. He needs to cut that payment in half. Thank you so very much.

Consolidating School Loans

PJ asked:


I plan on going to school full-time but need to have money to payoff my outstanding debts.

Consolidating Credit Card Debt

KM Brennan asked:


My husband and I have over $120,000 in student loan debt (mostly private loans with Sallie Mae).
We are looking to join the Peace Corps and I just found out that our loans can not be deferred while serving.

I’m wondering how to deal with this giant debt.
Should I consolidate? Is there anything smart I can do to help get these paid? Are there any other options for us (consolidation, any financial aid options…etc.)? Any advice would be greatly appreciated.

Thanks in advance for your advice.

Consolidating Credit Card Debt

amy asked:


my husband and i have a combined debt of 65k with student loans and credit card debt combined. we both have credit scores in the 690′s so obviously we do not want to do anything to get it any lower. would debt consolidation hurt us in the long run. if so what are some better options?
most of our cards are at low interest rates, but the minimums are HIGH.

Credit Card Debts

Kris asked:


I have accrued alot of debt through student loans – 10,000- and through credit cards – est 15,000 – what is they best way for me to get started on this? I havent been paying for a while on any so I am now brushed off on collection agencies and i am in default w loan

Bad Credit Debt Consolidation Loan