consolidate student loans

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Private Student Loan Consolidation?2shanari2017-03-15 00:53:17
So I 'm going to school to be a helicopter pilot and there are only two companies that I can get through student loans ( federal loans are not available for this school ) . I was originally approved for 75k with Penn Security ( Through TERI ) 0 with the first interest . TERI filed for Chapter 11 and will no longer fund the loan . Wells Fargo has given me an interest rate of 7.99 + Prime in 25k per year . I need this loan , plus a Sallie Mae loan for 20k too. My question is how I can consolidate after I'm done with school so that my interest rate is not as high , because that is an outrage . I can not afford to go to school with the high level of interest rates . Please just answer my question and do not tell me to go to a different school or try another lender . I have only two loan options and I just moved 300 miles to go to school because it was approved with Penn .[View Answers]
Private student loans and what do do after chapter 13 question?0ELI21112012-11-06 00:52:02
I presented chapter 13 just before the new bankruptcy laws passed in 2005 . I knew that my student loans would not be discharged. My lawyer put everyone on tolerance . I finished my ch 13 a month ago and has started to consolidate. MedlinePlus MedlinePlus Last week I received a collections notice in the mail a bill for 17,000. I was not aware that he still had private loans through Sallie Mae , but apparently I do. These are already in collections . MedlinePlus MedlinePlus Can these be consolidated as well? Private loans are not discharable ? I called Sallie Mae and have transferred 8 times ...... 8! Then I got a new number to call I decided to refresh my planes before I call again. MedlinePlus MedlinePlus Any help would be greatly appreciated. I have no idea what to do .[View Answers]
I need help, very sad tonight?1Reiny2012-11-03 09:35:02
I need help . I know the economy is bad and I can not take it anymore . I have 25 years and graduated with a four-year degree in something I can not find a job in the day and I still hear more about the cuts . I have two folders of rejection letters from jobs ( not necessarily what I was going to school and still can not find a job ) who used to work in a restaurant where my boss was abusive and used to verbally harass me and hit me in but they let me go and I can not use it for the experience . What should I do ? I have big loans to pay off student loans ... are low ? Yeah, that was stupid . I am responsible and mostly a nice person , I'd give the world to work hard for someone out there as an employee . I do not know how I can make the payments. I'm depressed and already taking antidepressants . I can not afford a counselor. I think about suicide on occasion because I see no other way out . I feel trapped , I am a responsible citizen and I feel that life has repaied with garbage . I am a born again Christian and I have not seen God come through me and I 'm having to mourn for my idea of ​​God as a loving father who brings in much conflict . What are my options ? I can not just have things go well . I feel like a burden to society and I can not pay my college debt . Yes , loans are consolidated and supposedly less than it could be , but are still as high as two rental payments monthly payment ! Just do not know what to do .[View Answers]
Student loan debt and joining the military?1Joycelyn2012-10-26 00:30:02
I'm thinking of joining the Air Force and have a lot of debt (just over 40k) - all are student loans and none of the loans, although all of them are deferred / within the grace period - which means who has never made ​​a payment but have not had that either. I am planning to consolidate my loans ( all of which are either subsidized or unsubsidized federal loans ) , so I will be responsible for about $ 130-200 a month in loan payments . This is the only debt I have. I have no credit card or anything else , so I'm sure I have nonexistent credit. MedlinePlus MedlinePlus Will this prevent me from joining the military , or payments small enough to be considered ' manageable '? There is no possible way for me to repay loans before joining , unless you wait another 10 years or so ... In addition, no credit and large debt prevent me from getting the secret high security clearance ? I worry that this will be classified as frivolous spending . MedlinePlus MedlinePlus Private Stupid college :)[View Answers]
Defaulting in a Parent Plus Loan?1zames2012-10-24 18:23:03
My mom had a parent $ 14,000.00 plus the loan of about two years . MedlinePlus MedlinePlus For some reason ( we moved a lot) , we did not get any notification that the loan in default. I had no time to catch up and I had health problems (cancer ) . MedlinePlus MedlinePlus Recently, they were able to contact my mother about repayment. We arrived on a program to help us get out of default . I started paying $ 200.00 a month for 9 months . The problem was that they wanted a lump sum payment of more than $ 600.00, which I did not ... and I knew I had to pay for what they stood . Unfortunately, I paid $ 1,800.00 not get rid of any amount of capital ... ( I almost threw it away ) . MedlinePlus MedlinePlus However, the loan amount is $ 20,000.00 and began to garnish their wages . She earns minimum wage and garnish $ 200.00 a month (which is a lot! ) . MedlinePlus MedlinePlus What I can do? I can ? Loan to consolidate my student loans that are in default? ! I can not pay the loan now since I'm still a student . What should I do ?[View Answers]
Student loan consolidation and taxes?0Katey2012-10-19 19:08:43
If I consolidate my student loan with a private bank I can still write of the interest as a tax deduction ?[View Answers]
What can I do about my student loan?0Diondre2012-10-19 17:37:00
I have a student loan from Wells Fargo Bank that I have to start paying in March , since my graduation in September. I know I have to pay and I will, but there are gaps around that can consolidate or programs that may help pay a toll of 20,000. What should I do ? Can anyone help me please?[View Answers]
We are having Financial problems?0anAYA2012-10-19 17:06:49
I have many bills . Start childcare two sons , two credit cards company , two commercial loans , home equity loans for business, car , two student loans , 2 telephones , internet , cable , utilities and clothing the usual food and where it goes etc. well until one of my husbands business closed. The company did a lot of additional debt to equity loan , both commercial loans and 2 credit cards . We can not pay the monthly notes . I'm trying to consolidate all the loans of the company so we can afford to make the payments. Any suggestions ?[View Answers]
What happens to my government consolidated student loans if I go back to graduate school?0helan2012-10-19 12:31:47
I'm looking at going to college next year and I have recently submitted my papers to consolidate my student loan with the government . My question is what happens with this new consolidated loan when I go to college ? I had two subsidized and unsubsidized loans that were consolidated into one new loan . ? I can defer this new loan while in graduate school and the entire loan accrue unpaid interest while in school or just part of it was unsubsidized to begin with? Thank you.[View Answers]
Personal Loan as a Student Near Grad w/o CoSigner?0dejonte2012-10-19 11:18:43
Hi all, MedlinePlus MedlinePlus I am a student in my last semester of college at SFU . I've shaken a little credit card debt , and would like to consolidate my debt with a personal loan . MedlinePlus MedlinePlus My question is , for a loan of $ 10,000 , do you think I need an endorsement like my parents ? I think my job websites like PT , and will be working full time in January. MedlinePlus MedlinePlus thanks[View Answers]
Any other plan?0Jess D2012-10-19 06:04:14
I[View Answers]
I have a private student loan, and I need to consolidate at a fixed rate. Where can I do that?0TREVIA2012-10-19 03:58:31
I searched everywhere for a fixed price and can not seem to find one! Who offers a good price , and I have to ask?[View Answers]
Should I consolidate my student loans now although I plan to go to grad school next yr?0???E2012-10-17 03:58:07
My student loan payment is coming for you soon. Should I go ahead and consolidate . I have planned to go to graduate school next year and currently do not have a job. ? I can consolidate and then postponed ? Are all federal loans ?[View Answers]
Any advice on a strategy for reducing debt?0Mohammed2012-10-17 02:38:50
My wife and I have significant student loans. However, consolidated mine at 3.5 % , but it is consolidated at 8.25 % . MedlinePlus MedlinePlus Pay only interest is $ 700 a month . My payment is $ 300 , with a third currently goes to principle. We also have about $ 8,000 in credit cards at 10 % interest. MedlinePlus MedlinePlus Our combined income is about $ 100,000 a year . At this point , I have to pay $ 350 of my loan every month, and about $ 1,200 in it. In that case , the loan must be paid around 8 years . MedlinePlus MedlinePlus I can feel I need to reconsider this approach because it seems like we make a lot of money , but not getting anywhere fast against our debt . MedlinePlus MedlinePlus Oh , we also have about 75G in our 401K and save 10 % of our salary . We are in the early 30. Any ideas on how to reduce debt faster? Some days it feels like it would be better to delinquent and go to work at McDonald's ... lol[View Answers]
Will consolidating defaulted student loans stop my income tax refund from being offset?0vannyboo<32012-10-17 00:43:49
Last year my loans in default and my refund was offset . ( the education department took ) I have federal loans , two were in default and are now all consolidated to December. The woman I spoke to told Direct Loans have no problem and will get my refund , but I'm still nervous . Last year was devastating! Ahh ! In the end, I will not know until I see that restitution is ... but it would be nice to hear from others who are familiar with my situation . Thank you ![View Answers]
Is it possible and how do I get my defaulted student loans out of this so that I can get them consolidated?0amet2012-10-17 00:43:08
Is it possible and how I can get my student loan defaulters thus you can get the consolidated ?[View Answers]
Should I pay off installments - is it helping score?0kkkkk2012-10-17 00:14:46
Points 620 and UT 640 EQ .. MedlinePlus MedlinePlus Rating thrown while CC is maxed . Now fully paid and pending update report to see MedlinePlus new rating MedlinePlus Salary 44000 MedlinePlus Limit credit card 2 1 $ 200 1 $ 500 limit. MedlinePlus A loan of 4500/5000 220 payment MedlinePlus A loan 7700/10000 330 payment MedlinePlus MedlinePlus All negative credit items have been paid off years ago , but are still in there so that the results are low . No lates in the last year by 30 days the year before that ... nothing I can do now , other than wait for the negative fall. The worst is a default student loan ( now paid ) , but still retains the history of 120 days late . Many loans paid no lates . Car / Consolidation etc . MedlinePlus MedlinePlus My current rent is $ 740, rent is in March .. rent will go up at that time , so I'm looking now . Also I have a person to get into the new house . My family is willing to help with the purchase of the house ( I want to keep as little as possible ) I guess it's between 10-20 thousand for expenses payment / closing , etc. .. I hope so. MedlinePlus MedlinePlus Option 1) Consolidate two loans in one combined payment for MedlinePlus 340ish but what will make my score , as it will be when I apply for a new mortgage loan ? MedlinePlus Option 2) Pay one or both of these loans before purchase and have less money for a deposit. That will show only $ 700? available credit report - How much it hurts this score MedlinePlus ? MedlinePlus Not sure what type of tank you have to stop what I'm skeptical about changing anything in my report and make things worse ... any ideas?[View Answers]
If you consolidate student loans, what happens to the responsibility of the cosigner?0dhaeigd2012-10-16 23:34:15
I'm looking to consolidate my student loans . I have two separate guarantors on loans. If I consolidate , does that relieves them of their responsibility for the loan ? Or is it still listed as guarantors ?[View Answers]
Credit report and home mortgage?0NUSSE2012-10-16 22:11:02
Was recently rejected by a secondary mortgage application to the house that revolves unpaid debt including student loans . According to the credit , my credit score was less of a factor in the decision declined , but said he was more influenced by the established credit, the lack of it that is . MedlinePlus MedlinePlus I paid all outstanding balances to creditors . I also consolidated my student loans . I've started using my credit card for gas purchases and gambling and I'm doing at the time the monthly payments for all listed. MedlinePlus MedlinePlus Is there anything I can do to bring up my credit score and established in the next six months , before returning to apply for a mortgage ? MedlinePlus MedlinePlus Any suggestions or input is welcome and appreciated .[View Answers]
What Happens if you cant pay back a student loan. Due to low income?0Mohammed2012-10-16 20:33:04
I come from a poor family , and I decided to go to school . student loans became so great that I could not return them new . now I have backlog and I'm still not doing enought to pay . What I can do. I have already consolidated and still can not afford them. What I can do. I'm living paycheck to paycheck and can not find a job that will pay me more money . Someone please help me . I have already submitted banckruptcy everything else . And I still can not pay . What I can do?[View Answers]

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