tine105 asked:


I just recently pulled my credit report and have some charge off’s that I would really like to pay off in order to increase my credit score. I am very concerned with companies that try to scam you and you end up paying more in the end. I got myself into some trouble in college with opening up accounts and of course, not being able to pay them off. Now that I am in the working world I am looking for a good, reputable company to go with so that I can take care of some of the debt that I have as well as increase my credit score so that I am able to get better interest rates. Any suggestions would be greatly appreciated. I have spoken with creditsolutions.com and I am a little apprehensive because I am not sure if they are reputable and don’t want to sign on the dotted line yet without knowing the good ones from the bad.

Consolidating Student Loans

steph_the_chef asked:


I have a bunch of student loans and i get a lot of junk mail about consolidating. Who is the best to use for consolidating? What type of payments and interest rates can i expect. I have about 8 different student loans out there, from 4 years of school. Some are private, some are federal.

Average Credit Card Debt

Diana asked:


I am about to go to graduate school in the fall so I will be deferring my student loans. Right now I have a Stafford and Perkins loan. Should I consolidate these before deferring?
Also, when deferring are my interest rates locked or do they increase?
Anyone have a real answer or experience?

Consolidating Credit Card