Rosemarie C asked:


I was worrying that I wouldn’t be able to get private student loans in the future. I am a full time student now and my credit card debt is out of control. My only way out is through debt settlement. I hear it will affect my credit score badly–something that the private loan companies look at. Any advice?

Debt Loan Consolidation

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

complicatedtallblonde asked:


I have 2 student loans with Sallie Mae that total $25,000 and an ACS loan that is about $20,000. Total I have about $45,000 dollars in PRIVATE student loans. I have about 10 thousand in federal but the Navy is going to pay them.

Currently I am paying $300 a month to Sallie Mae, and beginning next month $200 to ACS. I would like to consolidate these loans to get a smaller monthly payment. I already called Sallie Mae and they no longer consolidate student loans.

Who do you suggest I go through to get a consolidation? I’m almost 23 and have enlisted in the Navy so I will have good job security. I do not know my credit score but I have gotten a credit report and everything was in good standing, nothing ever late or defaulted. I MUST get a consolidation without a co-signer.

Any info would be appreciated. Thanks

Business Debt Consolidation

RiffRaff524 asked:


I currently have Sallie Mae loans. As many of you know they will take you to the bank on interest and other fees. Does anyone have any advice on who might be willing to consolidate these god awful private loans. I don’t want to be in debt forever! Any great advice is greatly appreciated!

College Student Credit Card Debt

beejean33 asked:


I have a total of about $27,000 in private student loans through Sallie Mae with a 9% interest rate . Is it possible to find a federal loan to cover the previous amount I’ve borrowed and close my Sallie Mae account? I am still in school (I’m a junior) at the University of Minnesota and will need another year of financial aid..

Consolidate Credit Cards

JUMBO shrimp asked:


Is there anyone that will consolidate sallie mae student loans? Also who is the best provider of consolidation for private student loans?

Consolidation Credit Debt

MG1182 asked:


I feel like my monthly payments are way too high for the amount I borrowed. Consolidation options only made the payment term longer. Is there anything else I can do?

Settlement Credit Card Debt

joliejulia06 asked:


Hello all,

So, I need some serious help and I am pooling ALL of my resources to see if anyone has any help for me.

I am currently trying (and have been, for the past month or so) to consolidate my student loans. I have about $35,000 in private loans outstanding, and my grace period will be up come mid-March. I have applied for 7 different consolidation loans, through 7 different companies- all have been denied because they say I need a cosigner, as my credit is not strong enough to get this loan on my own.

Assuming a co-signer is NOT an option (which, as of now, it is NOT an option), does anyone know of anywhere I can turn? Any companies that do not base their decision SOLELY on credit? Companies that examine your situation, your income?

I am about ready to move out of the US and totally bounce on these loans guys (kidding… half kidding, anyway). If I don’t consolidate, I can’t repay, and if I don’t repay, I ruin my credit even further! If anyone has ANY resources- names,

Consolidate Credit Cards