anyone?? 10,000 USD

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?

While in college, I built up about $16,000 in student loan debt and about $10,000 in credit card debt to pay for classes and books. Considering it was about $75,000 total for my degree, I’m not too upset but the interest is killing me on the credit card. I need to get it transferred to a lower rate. I thought about a credit card balance transfer but I would prefer something a little more permanent. I’m figuring on paying about $600 a month at least, but hopefully more like $750 a month. If anyone has any advice, I’d really appreciate it. Thanks in advance.

My husband and I are literally drowning in debt. There’s no way we can file bankruptcy or do any of that consolidation stuff. He has a federal job and would pretty much lose his job immediately. We have found relief from his student loans by filling out a form and getting his payments cut in half for a year. Are there any sort of programs in existence that will help out with credit card debt? We have Discover, Chase, Citi, and Bank of America accounts. We have already cut up the cards and do not plan on using them ever again. We tried to get a loan to consolidate the debt into one payment and our credit isn’t good enough to do that either. Any suggestions?
Yes, my husband has to maintain a very high security clearance. This is why he can’t let his credit go bad.

I have a couple of private student loans. The reason being having gone to a private school. I expected to get a descent paying job right out of college. Worse-case scenario, have more than one job for the time being. I stayed in the city where my college was located for a few months and worked part-time at a pizza shop. I had no luck finding a second job or a full-time job. The job market is down. I’ve looked and looked and no luck. My mom requested that I move back home and I agreed, figuring I might have better luck finding a job there. I have not been able to make any loan payments and I am two months behind. My great-grandmother was my co-signer and the lenders keep calling and hassling her. I understand that’s what they are supposed to do, but is there anything that can be done? Consolidation is an option, but there’s no money coming in anywhere. I know that when she signed as a co-signer she made herself liable for my short-comings, but is there another way around this? I would ask my mother for help, but she is no position to hand over money. Please offer me any advise possible. Thank you.

I will be done with paying my 4 year chapter 13 bankruptcy in August, and I am worried about my student loans that I will have to start to pay back. I have already been on a tight budget, and the student loans will be like an expensive car payment that i can not afford.

Is re consolidation the only thing I can do?

I have private loans with Sallie Mae, when I took the loans out, I was told my payments would only be $220 a month, okay great I can pay that. They started at $350, and have risen to over $500 per month. I have tried to consolidate, and now due to my bad credit because of these outrageous loan payments I need a cosigner, well I had one, my sister, but then she called and spoke to Sallie Mae and found out that when they told me that my rate would be locked in at 7%, in comparison to my 13% for two, and 17% for one other, it would not be locked in, it could change, she doesn’t want to take the chance that I will not be able to afford the payment if it goes back up again. What can I do? How is it legal for a school financial aid department to tell you your payments will only be $220, and then you are just stuck with payments you cannot afford, and everything Sallie Mae tells you to do and that you “can’t” be denied, you pay extra money just to get a letter saying “You are not eigible”

I recently found out that I had a student loan in default with judgment. I thought that this was taken care of in an earlier consolidation agreement and that my last payment was completed back in 2007 for a different loan.
It is 2010 and I applied for college. Low and behold there was a very old loan, that apparently for some reason was completely over looked by both the state and the IRS and as I had received my letter stating I was paid in full with no further contact for years, I thought that my loan days where behind me . Regardless, I now have a student loan in default.
I contacted ECMC and there sub contractor, Premier Credit to find out what could be done and how this might have happened. I was basically shut down and simply told that it was not there concern and to pay my bill. I completely dislike both companies immensely, however, they said I had no choice but to work with them… and as I wanted to go to College, I orally complied. I decided to make two good faith payments but did not sign there documents. It was only after reading about there reputations, in regards to both Companies and there practices, that I decided it might be better all together to consolidate my loan completely outside of either company and try to finish working with the William D. Ford Direct Loan Program without placing these two companies anywhere in my future program or re-payment.

Since then, I have been looking for a real Consolidation Company that has a real history, a real background and something tangible that is not going to cost me $500.00 in up front fees. I know consolidation companies have there fees and I don’t mind that but really need your help in finding an actual real Company.

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What Types of Student Loan Consolidation Programs Are Out There

 Key Facts On Private Student Loans

Many students raise federal loans through private student loans simply because these government-backed loans have lower interest rates and are easier to repay.Visit Here Now http://studentgrantsloaninformation.blogspot.com

 Private student loans are also readily available, but definite a few consider applying because of the global twist that private novice loans are more expensive than civic loans.Private trainee loans presume true bigger funds as compared to federal loans. If you are studying in a private university where you pay higher fees, singular loans may just address your needs.

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