Private College Student Loan

How do student loan consolidation programs work? Are they backed by the federal government?

Can anyone more info on student loan consolidation programs?

What is a good loan consolidation program for Federal and Private student loans? I am looking for a good student loan consolidation program that will take on both my Federal and Private student loans from Sallie Mae. If you know of any good ones that you have heard of or used in the past, please leave a description or website so I can look into it. If you are a loan company, don't bother answering the question as I will mark it as Spam. Thanks.

are there any lenders that do federal student loan consolidation? not private loans? it seems like there aren't any lenders that do federal student loan consolidation programs. Are there any out there? not private loans.so far it seems like the dept of ed has ended other programs. please help thanks Ruth. Can you ask your relative if it was a federal loan? New question, is it possible to debt consolidate federal student loans?? so there's debt and then student loan consolidation.

What is the best Private Student Loan Consolidation Program (substantial debt!!)? Is there anyone who knows of any good PRIVATE Student Loan consolidation program? Most lower your payments but do not lower your interest rate. I am looking for a lower interest rate.

How do I go about choosing which student loan consolidation program to go through and why consolidate? Current student trying to get a head start on paying off my loans which companies are the most legit and what should i look for? Also why should/shouldn't one consolidate?

Where is a good place to find student loan consolidation program sites?

Are there any companies still doing PRIVATE student loan consolidation? If so, any recommendations? I have called at least a dozen places whose ads claim that they do private student loan consolidation. But when I called, every single one of them said they had either temporarily suspended or canceled their private student loan consolidation program due to the subprime mortgage crisis. Nearly all of them offered to consolidate my federal loans but I've already done that. A few of them actually named other places they thought were still doing it but when I called them, those places had also suspended their programs. So, if anyone out there has had recent success with consolidating their private student loans, please let me know. Thanks.

Is Fynanz (custudentloans.org) private student loan consolidation program legitimate? I've been looking around forever for companies that offer private student loan consolidation. I could never get approved before, because I didn't have a cosigner. I finally have a cosigner with a high credit score and high income. I also have a credit score in the mid 700s. I've never heard of Fynanz and I'm just now reading up on p2p lending institutions. It is a new concept to me. I can't find a single review of their program. Does anyone have any information on them? The terms they list are ridiculously good compared to any previous options and especially compared to the only other current option Wells Fargo. Interest rate between 4.75 and 7.25 percent and cosigner is released after 12 months of on-time payments. My loan balance is $34,000 and the interest rate is a whopping 14 percent.

Private student loan consolidation? My fiance currently has student loans through Sallie Mae and they are a big RIP OFF!! Is there a PRIVATE loan consolidation program that anyone knows of? We can't afford to pay $500 a month just in loans!

Where can I find information on student loan consolidation, both private and federal? I have about $50,000 in student loan debt multiple student loans. About half of my debt comes from federal loans (both subsidized and unsubsidized), and the other half is from two separate, private lenders. I graduate in May, but I can't find information on consolidation. I already have a full time job after I graduate, but making multiple minimum payments to different lenders seems a little ridiculous. Does anybody have information on how I can consolidate my loans into one loan? Most consolidation programs only let you consolidate your federal loans. Like most recent college graduates, I won't have any collateral to take out a "conventional" loan from a local bank. Also, I would like to do this from a company that will keep the loan classified as "student loan debt" to take advantage of the tax benefits. Thanks for any advice you can offer. ** I am aware of the pros and cons of loan consolidation. I would like to explore this option for having the convenience of one payment as well as having the option of a lower monthly payment

Consolidation on student loan: I need advice!? I am currently in default with my student loans and my taxes are currently set to be offset so I entered into a loan consolidation program which will allow me to be out of default within 60 to 90 days. But my financial situation can't wait that long. I need to figure out a way to be able to file my taxes ASAP without it being taken from me. I remind you I am having all my loans consolidated at the moment. Since this is so will they let me file my taxes knowing my defaulted student loan will be paid in the next month or so or do I have to wait? After being paid I will be able to get more financial aid and go back to school. The treasury offset program stated that my tax refund could or would be offset. PLEASE HELP!!!

Can I defer my Wells Fargo Student Loan Consolidation Loan? I have a ton of little student loans totaling up to my $50k total. I am currently deferring them, or more specifically using an Income Based Repayment plan for them since I don't really make a lot of money yet. I would like to consolidate them into one loan for convenience, but I am still unable to make the payments yet so I was just wondering if anyone knows if you can defer or use the IBR program on the Wells Fargo Consolidation loans?

Student loan consolidation vs. rehabiliation? My student loan is currently in consolidation. I hadn't realized that I could've rehab'd it and eventually it would come off of my credit report after 9 months of on time payments. Now I don't qualify for rehab b/c its not in default anymore since I consolidated it. Is there any way I can get out of the consolidation program and get into the rehabilitation one?

Are there any real legitimate Student Loan Consolidation Agencies out there with a real history? 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. Each of the Establishments I have researched has come up with no background, there BBB pages claiming the official stance and stating, that the most noted sites on the internet for handling such affairs are " not an accredited member of the BBB " - most of these sites I found are coming out of Florida and having no legitimate history... at all. Nothing short of there site and I cannot even confirm or find one legitimate actual real company, that I feel comfortable working with. Does anyone have a good experience with a Defaulted Student Loan Consolidation Company ~that can write in and tell me about there experience and/ or a good company that I can trust with my finances? Does anyone out there know of any way, I can get rid of ECMC 's claims that if I want to be out of default that I specifically - " HAVE TO SIGN WITH THEM "~ any ideas? I don't mind paying back my loan but I just don't want those Companies involved. If anyone has worked with ECMC before and has a good / bad response, please feel free to tell me. I would love to hear all of your comments... thank you.

Recommendations for student loan consolidation? I have some private (none Federal student loans) that I am looking to consolidate. My original lender was Sallie Mae, but their consolidation program is on hold citing the economy as the reason. The only lender I can find still giving consolidation loans is Wells Fargo, but they require a co-signer, which I do not have. Has anyone else recently consolidated some private (non-federal) loans? I have a good credit score, I just can't find a lender that has not put their program on pause. thanks I am looking for reputable lenders, its so hard to tell what reviews out there are fake and which are real. Pope, whoever you are do not bother replying with that link you keep posting. Nothing about that website looks reputable. Please stop trying to take advantage of people. Reading through a lot of similar questions I see that there are lots of scam artists out there trying to push their sketchy sites on people. Please don't be an asshole and only respond if you are an impartial party.

Any proposed student loan debt elimination programs or interest rate reductions? Has anyone heard if Obama's new budget includes anything about possible programs to help cut down student loan debt or a move to lower interest rates, particularly for consolidation?

loan consolidation? which company should i use? any suggestions which company to use? i have thousands in student loans and credit cards and i was wondering if anyone has used any loan consolidation programs, which is the best, which is the worst? thanks!

Student Loan Rehab Programs whats next? Hi! I started in two rehab programs (GRC & GC Services) in March 2008 and was told I would complete the term in November. But I just received a letter from GC stating they recently received payment towards completing my agreed rehab program and on behalf of NSLP, thanking me for timely payments etc...Doesn´t it last 9 months? What is the next step? Should I request a loan consolidation thru Direct Loans? Are these legit, have been reading a whole lot of info regarding complaints, harrasment and no credit to account

How do I get out of student loan debt? I am graduating with almost 100k of student loan debt, and NOT going be to making big bucks to pay it off. I regret all the loans I took out, but now I'm stuck with the debt. I've been applying to loan repayment programs with no luck. I'm desperate and don't know what to do. How can I pay off my loans with a salary of $40k a year??? And what is the best consolidation program out there?

How could I achieve student loan forgiveness? I am graduating with a master's degree in civil engineering in May 09 and I owe $50,000 in student loans. They are all Federal Staford loans; half unsubsidized and half subsidized. I've seen partial loan forgiveness programs for the state of Missouri. However, I live in Texas so this doesn't help my situation at all. Any thoughts (excluding loan consolidation)?

Student Loan consolidation help? I am going to be going into a two year paralegal program starting in the fall and I am pretty sure that I got the Stafford Loan for $3,500 and I got a grant for about $900. The Paralegal program will end up costing about $11,000 so I'll need to take out a private student loan. I find all of the financial aid and loans to be very confusing but I was looking at a private loan through Chase Manhattan bank that didn't seem so bad. I was wondering about loan consolidation. Are there any banks that will consolidate federal stafford loans and a private loan together to help you have a lower monthly payment? Chase Manhattan said you cannot consolidate a federal and private loan but I was wondering if maybe another bank would do that? Or is there another smart way to go about handling your loans after graduation? I'm just trying to think of the whole picture and plan for graduating. Also, when you take out a private loan it seems like they all have the variable thing going on..why don't they offer a fixed rate? Do you try to consolidate and get a fixed rate when you're done school? Like I said before...financial aid is very confusing to me. Any help would be greatly appreciated. Thanks!

Student loan consolidation - where to start? I am looking at repaying my student loans starting in August. I was wondering a couple of things: 1) Are there some reputable websites out there with some sound advice on how to consolidate student loans (both undergrad and grad loans)? 2) Is it possible to consolidate loans from 2 different lenders? 3) How do you go about beginning the consolidation process? More specifically, should I be waiting until I have to start repaying or work on it now? Who should I be talking to a bank, credit union or my lenders to see about various repayment programs? Please only serious responses. No scamming and I will be checking these websites. Anything that looks suspicious I will report as abuse. In advance, thank you for your help!

If I consolidate my student loan with a bank, am I still eligible for loan forgiveness programs via volunteer? I believe my student loan prior to consolidation was either Stafford or Perkins. Both S + P have programs where you teach schools or volunteer with organizations so that they can forgive a certain portion of your student loan debt. Does the fact that I have consolidated with Citibank void me from these programs? Do banks, such as Citi, have programs like these? Also, would Citi know what kind of loan I have (Stafford vs. Perkins) or is this a totally new loan only with Citi, since I consolidated? Thanks much.

Student loan consolidation? My husband and I are way over our heads in student loan debt. Between the two of us we have four payments a month all in the hundreds of dollars. We can't afford it! Is there any programs out there anyone knows of that will consolidate all our loans into a lump balance so we only have one payment a month?

Need student loan rehabilitation and consolidation help!!!? Hi, My husband just completed the "loan rehabilitation" program through a company called FMS. He did everything as they asked, made a down payment and made 9 on time payments to complete the program. Now they are saying for us to get out of the program and to improve my husband's credit score, we must sign a loan consolidation form (which they try to tell me ISNT a loan app, but IT IS). There is only ONE loan listed on the form at 8.02% (a G loan they called it) but my husband has several other "D" loans and they aren't listed. They are saying that unless we sign the form and send it back, we will have to "re-do" the rehabilitation program. I would really like to know if they are trying to trick us. Anyone who has dealt with this type of thing PLEASE help us! Thanks!

Student loan consolidation and credit cards? I graduated a few months ago from college and am starting a new job in a few weeks. I've been going through my finances and looking into consolidating my student loans (about $35K). All of my student loans are alternative student loans, but can be consolidated. Unfortunately, for the last year of my degree program, I had to rely on credit cards for what the loans didn't cover, leaving me with some substantial credit card debt also. Is it possible to consolidate my credit card balances with my student loan consolidation. I would rather make one large payment on everthing instead of making smaller payments on all the different loans.

What kind of loan can I get to consolidate private student loans? I have $100,000 in private student loans from two lenders. The interest rate is over 10%. Is there a way to get another loan to pay this off at a lower interest rate? What kind of debt consolidation program should I consult? Most student loan companies only deal with Federal loans it seems. I keep seeing ads for mortgage loans with low monthly payments-- is there something similar I could get for a personal loan? THANKS!

student loan consolidation!? Hello I am 22 years old...unfortunately I did make some bad choices in the past and now I am paying the consequences. I am in debt with student loans and I would like to know how will consolidating my loans, all in one will help me with my financial problems. I have like 15,000 to 20,000 in school loans. Although I am paying them ok, I would like to know what can I do...what options are there out for me to make the situation a little better. I am still going to school and would not want to take more loans, believe me, I will try not to take anymore. IT also seems like I obviously don't know how to divide and distribute my money properly...meaning, I don't know how to plan my monthly budget...what can I do? any advice??? I will appreciate your answers....thank you! p.s. Where can I get help with loan consolidation...or what company do I use...any recomendations on how to plan my monthly budget (maybe using a computer program or something)....thanks!!

Does anyone know of a grant program for student loans? Not debt consolidation, but debt repayment.? Like most people, i didnt read the fine print and now sallie mae has my balls in a vice. I need to know if anyone knows of a federal grant program that will pay off my debt to sallie mae? This question has been posted before, but it seems everyone always points you in the direction of "debt consolidation". My goal is a program that will fully pay off the loan. Any one got some wisdom?

Is it smart to consolidate your student loans? Consolidation Loans combine several student or parent loans into one bigger loan from a single lender, which is then used to pay off the balances on the other loans. It is very similar to refinancing a mortgage. Consolidation loans are available for most federal loan programs. IS THIS A SMART IDEA?

I've heard of student loan forgiveness programs. Are there any credit card forgiveness programs out there? 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.

Private Student Loan Consolidation? I am $65k in debt thanks to PSU, and their Mechanical engineering program. I have no help from my family with my loans, and my interest rate is variable at 8.5%. I will end up paying $120k after only 10 years. Is there anything i can do to help with this? I have been trying to research consolidating my private loans, but that will lock in a fixed rate at 9.8% which doesnt sound worth it. Im confused. Any ideas?

Does anyone know anything about Educational Direct? I keep getting calls from this place. They are rather pushy to get me to fill out an application. I dont even know if this place is legit, because I believe Student Loan Consolidation Program is the most legit place there is. Is there a way I can get them to stop calling without talking to them? I dont really want to pay for a service just for one number.

If I consolidated student loan with Citi, can I still join Stafford/Perkins programs? I believe my student loan prior to consolidation was either Stafford or Perkins. Both S + P have programs where you teach schools or volunteer with organizations so that they can forgive a certain portion of your student loan debt. Does the fact that I have consolidated with Citibank void me from these programs? Do banks, such as Citi, have programs like these? Also, would Citi know what kind of loan I have (Stafford vs. Perkins) or is this a totally new loan only with Citi, since I consolidated? Thanks much.

Secured loan debt consolidation? I need help with my SECURED loans. I have three secured loans, one for my car, the other two are for student loans. Are there any good programs out there that can help me with my secured loans? Yes I have done an internet search but all I found was unsecured loan consolidation. Please help! Thanks!

Amazing.. I think all parents of college students should be aware of this? Beware, if you take out student loans you will no longer be able to consolidate them thanks to Congress! Thank you for your interest in Sallie Mae, the nation’s leading provider of saving- and paying-for-college programs. Severe legislative cuts made by Congress made federal student loan consolidation uneconomical. This, combined with the credit market deterioration, has caused us to suspend participation in the federal consolidation loan program. Unbelievable!! One more reason to be ticked off at Congress.

What companies' buy leads for student loan consolidations? addresses,phone numbers,names,social security numbers. The FFELP program,Dept. of Education. 20,000 leads to get rid of.

Urgent: Need advice for paying off student loans while in debt consolidation program for other bills.? Anyone out there with a good strategy for repaying the money I borrowed for tuition? I am currently enrolled in debt consolidation program because I lived to frivolously in my youth. I am also one of the primary homecare providers for a terminally ill parent. Thank you for your suggestions in advance! I am gainfully employed but have other monthly expenses such as a mortgage.

How do I pay defaulted student loans to save my credit? I am a single mother of three, so even a good income has to be very well budgeted. I have roughly $100,000 in defaulted student loans, so most consolidation and other programs are out of the question for me. I have been asked to pay more than I can afford monthly for these loans. What can I do to both get these paid and save my credit?

can i get new student loans if my old loans are in consolidation? sad story....lost my job, divorced, Bal bla bla, i went into default with my loans. My federal student loans are now consolidated thru the program that Direct loans works with. I have paid them twice and the third is in the mail. My question is, am I eligible for more federal student loans, so i can go back to school? please cite your information, so i know the information is trustwourthy. Thank you!

How can I use my Army Student Loan Repayment Program money? So when I joined the Army, one of the benefits I was given was $20,000 for student loan repayment. When I applied to use the money for my outstanding loans, my request was denied because the loans were through Sallie Mae and were private loans and The SLRP is only for federal loans. This was not mentioned when I was enlisting. So I went online and applied for a federal consolidation loan through Federal Direct Loans and then I planned on using the SLRP money to pay the consolidation loan since it's federal. Then that was denied, also because my original loan was private. I'm not in dire need to use the SLRP money and I have no problem making the monthly payments but if I was given this money to use I figure I might as well use it right? Does anyone know of any other way I can use the money or change the type of loan I have? Any help would be greatly appreciated. Thanks.

Can I combine different loans? I have 3 NJ Class Loans ($8153.00 ; $7897.00 ; $7175.00) and an Unsubsidized Stafford Loan for $3500.00. Eligibility requirements for consolidating NJ Class Loans say they have to be all NJ Class Loans and a minimum of $30,000. Which they are not. I'm basically paying $26,725 in loans seperately. Is there a Student Loan Consolidation company/program that will allow for me to combine the NJ Class and Stafford loans?

How do I consolidate my defaulted stafford unsubsidized and subsudized student loan held with the Dept. of Ed. My student loans are in default but I have made the last 3 monthly payments of 50.00 each and on time. What else do I need to do to get the loans into consolidation and out of default. Why? I wish to enroll in a program to go past my Associate's Degree, and I need student financial aid. I was incarcerated for over 7 years and now I wish to better myself and move forward with my life.

anyone know of any good debt consolidation programs? I have mounting debt mainly due to student loans (whihc I would liek to pay seperate) but everythign else from credit cards and phone bills etc is very hihg close to 15,000. I want to consolidate so ic an make monthly payments to all of them and try to save my credit. any good place u can recomment that will no charge me a high interest rate or take too much profits away?

Marines......loan payback program? In the third paragraph it includes Marines for a loan payback program.......Is this article true? http://www.youngmoney.com/financial_aid/student_loan_consolidation/030417_01 If so, what is this program they the article talks of? Whats the name? What it entail? Thanks! Sorry everyone, i accidently posted this in the wrong section...... If you do know the answer...please answer... Thanks.

Questions on Loan Consolidation? I am new to all of this because fortunately between my parents and scholarships my undergrad degree was paid in full. Yesterday Igraduated with my Masters and I have a TON of student loans to repay. The program itself was very expensive. My job does give me some reimbursement for that ($4,000 every fiscal year, as long as I still work there and until the tuition cost is paid off) but the interest that collects in the mean time is all on me and it is a lot. That said, I need to call and get my loans consolidated but I do not know the first thing about doing this. Do I call the company I have my loans through? (mostly FAFSA sponsored) Do I call a bank? What kind of information do I need to have ready to speak to them? Any tips on getting lower percentage rates? If I have a credit card with less APR than my loans would be it be wise to pay some with that because its less money or a bad idea because student loans are "acceptable debt" versus a credit card? Any advice that anyone has on how to go about this, good or bad company's, things to look out for, etc. are much appreciated!

Paid off defaulted student loan 2 years ago, how long will it keep harming my score? I want to qualify for a loan on a triplex, and FHA has a great program, but my score stinks - all because of these old defaulted student loans. I consolidated them all 2 years ago - how long before my score recovers? How long before lenders will consider me for a mortgage? 3 CC all Pay as Agreed 1 Student Consolidation Pays as Agreed 12 defaulted student loans consolidated 22 mos ago Want: Triplex 3 1br, $140k (can get for less, but will need the difference for updating) Income: POE 1 yr 30k/yr Small Business 3 yrs 8k/yr

Federal Direct Loan Consolidation? I have recently signed up for a Rehabilitation program with the debt collector of my Federal Student Loan which is defaulted. I was told to contact the TSAC hot-line to determine if my taxes would be taken and applied to my balance...and it will be. I was referred to do a loan consolidation and instructed to file my taxes after the loan is consolidated. The loan is supposed to be bought by the loan consolidation company an will no longer be in TSAC's possession and I will have to make scheduled payments to the loan consolidation company. Therefore, the loan will no longer be in defaulted status and the government will have no means to take my income taxes. Am I missing something in this process (besides the interest, etc.)? Is this all the way true? I have been doing research and am a little confused. Please help. **No smart-aleck comments please...this is serious. Thank you***

Does anyone have any advice on student loans and what to do with them after college?Besides paying them back? Does anyone have any advice on student loans and what to do with them after college?Besides paying them back. Any information on consolidation or programs and plans would be greatly appreciated.

A confusing student loan situation? I am trying to help my neighbor figure out what is going on with her student loans. A bit of history she had defaulted a few years back and very recently completed a loan rehab program. Right before compleation of the program she was offered the chance to participate in the William D Ford Program (what ever that is) She filled out all the paperwork and sent it back. She selected the Income Contingent Repayment plan. Soon after that she is sent notice that Sallie Mae is the new lender (before finishing rehab it was GRC) and that her new payments would be $50.08 instead of the $58.00 she was sending to GRC. The new payments were to begin Feb 24, 2009. (she even has a payment coupon book) She called GRC to see if she still had to pay them in January and was told that she did not. Then In January she receives some paperwork from Direct Loans (the same paperwork she had just submitted to GRC) She contacted direct loans and told them she had already sent the info to GRC Direct Loans told her that she would need to send the paperwork to them anyways. Before she could even send it in she gets another letter from direct loans confirming that she has elected to participate in the income contingent repayment program and that her payments would be $0.00 and that there is $0.00 owed. She calls direct loans to verify who and what she is supposed to pay. She is told that until consolidation is finalized to pay sallie mae the $50.08. When consolidation is finalized her payments would go to $0.00. Thing is every income contingent calculator she and I have been too her payment does not come out to $0.00 it comes out to anywhere between $25 and $140. Can some one shed some light on the real deal here? Thanks.

Why are Sallie Mae Tuition Answer loans ineligible for consolidation with Direct Loans? I have several student loans that I used to pay my way through a BA degree and an MA degree. My BA degree was paid with Tuition Answer loans from Sallie Mae and my MA degree was paid with Direct Loans (W.D. Ford Federal Direct loans). I'm wanting to consolidate all of my loans so that I only have ONE payment to make a month and ONE interest rate to contend with. I started the consolidation process with Direct Loans because they are the easiest to deal with; however, I received an e-mail today stating that my application has been canceled because Sallie Mae Tuition Answer loans are ineligible for consolidation through the Direct Loan program. Why? They didn't give me a reason. Before I started the consolidation process with Direct Loans, I had inquired whether or not Sallie Mae would pick up and consolidate my Direct Loan so that Sallie Mae would then be the overall loan "god", and they said no (again, no reason provided), which is then why I started the process with Direct Loans. Direct Loans consolidates with other Sallie Mae loans, why not Tuition Answer? Are there loan companies out there that will consolidate BOTH loans? This is getting ridiculous. All I'm getting is the runaround from both companies and no one can seem to answer my questions, and of course, neither company is willing to give up their "rights" to the loan payments, so they're not giving me information on other loan companies that WILL consolidate both my Direct Loans and my Sallie Mae Tuition Answer loans. Has anyone else had this problem? Were you able to fix it so that you could consolidate ALL of your loans? What company did you use and are you satisfied? Any help that anyone can provide would be greatly appreciate it. Thanks! ~Megan P.S. I would appreciate it that if you do not know the answer to ANY of my questions that you wouldn't post a bunch of nonsense that in no way pertains to my questions. I'm tired of people just posting on here in order to get more "points" and whatnot. If you don't know the answer, please do not waste your time and my time and just DON'T post on here. Thank you. Is there a way to change a private loan into a public/federal loan that will then allow it to be consolidated?

is there any Uniformity in Student Loan Consolidation Programs?

Can I apply for student loan consolidation? I am currently under default and repaying my student loans to a collections agency (ACT - Account Control Technologies). I would like to go back to school in September 2010. Is there any way I can apply for loan consolidation so I can go back to school? I had to leave school to help my parents out and now I'd like to go back but there is no way I can afford school without financial aid or loans. Or does anyone know about student loan rehab program? If anyone could direct me in the right direction it would be great help. Thanks.

Law School Student Loan Consolidation? I know my story is not unique, however, I need some very important advice. I have 17 different loans from 3 different lenders. This includes my undergraduate degree as well as my law degree. I have several private loans, federal subsidized and unsubsidized loans. The total amount of debt, including interest accrued is $234,000. I'm currently researching consolidation options. I have already exhausted the standard forbearance, repayment plans and economic hardship. I am currently up to date with all of my payments, however it has become quite overwhelming. The problem is that I make $18 an hour plus overtime. I work as much as possible, but cannot continue at this pace. I include this in my narrative, not for sympathy, but in the hopes that there is some sort of program out there that is income based. Of course I am doing the obvious: cutting expenses, searching for a better paying job, negotiating with lenders and improving my credit score (it's low because of my debt to net ratio, not because of paying bills late). Any help and / or advise is welcome. I'm just not sure where to turn at this point. I appreciate all the people who actually take the time to read and reply to this urgent plea! I will leave you with my favorite quote: I never saw a wild thing sorry for itself A frozen bird will fall dead from a bough Without ever having felt sorry for itself

Student Loan Rehabilitation? I defaulted on my student loans in later 2005. In early 2006, I decided to rehabilitate my student loans. The detail was as such: After making a fair down payment amount (I paid $7,000), I would be entered into the rehab program. I would then make 9 consecutive payments of a fair amount (I paid $200 a month), the loan would be considered rehabilitated and be eligible for consolidation. Also, ALL negative information reported to the credit bureaus would be expunged from my credit report. I fulfilled all parts of the rehabilitation program. My loan was purchased back by the guaranty agency and the guarantor removed the default from my credit record. . However, the loan servicing agency that serviced the original loan refuses to remove the deragatory data from my report. I have disputed the information through all 3 credit bureaus to no avail. I have spoken with the Dept of Ed and they have stated that the deragatory information should be removed. Any advice? I'm really lost!

Consolidating private student loans? I graduate December 2010. So in 1 1/2 years. I'm praying & hoping that things get better, so my student loan repayment options are better. I will have $30k in federal & another $30k in private loans. I checked my credit & all accounts are in good standing (not sure of my score). I have a great co-signer (750 credit score & $90k income). This has helped me fall in the middle category in interest rates of private loans. I want to be able to consolidate my loans after graduation. Still a while away, but better to plan right? I'm consolidating them separately. I was wondering for the private student loan consolidation, with my co-signer, would it be hard to get qualified? Anyone have experiences they want to share? Right now I think only Wells Fargo & Chase are offering private student loan consolidations. Let me know please :) I hope more banks will be able to offer this program again as time goes on.

Question about consolidation of defaulted student loans...? I took out a student loan 5 years ago to go to college. Defaulted on loan (financially unable to repay). Collector for Texas Guaranteed Student Loans Blah Blah called me yesterday, and guided me through the steps for the online application for consolidating the defaulted loan here: www.loanconsolidation.ed.gov He said it is a government program set up to give people who have defaulted on student loans a second chance. Gentleman told me that if my applications is approved (and it probably will be), when it is processed, the record will show that I no longer owe money on a student loan. Question is: once the record reflects my new situation (loan consolidated, debt no longer shows up, etc.), can I apply for and get another student loan?

What is the best and trusted debt Consolidation company out there? I'm currently suffering financial problems. I am thinking about going into debt relief program. I have a student loan for $4,700 and two credit card with balance of $3,000. I am looking for the best debt relief company that is trusted and can settle me with one low monthly payment

How can I pay 12k in Credit card debt and 31k in student loans? I'm 25 and married w/o kids living in Michigan. I make around 33k a year. My wife was laid off and she is using the opportunity to go back to school for free while getting unemployment which is only $150 a week. I owe 12k in credit card debt and 31k to my student loan. With the cost of living and paying all the minimums, we're living from paycheck to paycheck. She wont be finished with school for 2 years and I can't live like this that long… I know I could pay the debt in a matter of months if we moved back in with our parents but that’s out of the question for her. Is there anything I can do? Are there fair debt consolidation programs for people in my situation? Thanks.

How do I go about eliminating my credit card debt? I am 23 with a nine-month-old son, and I owe (on top of my student loans from college) approximately $30,000 in credit card debt. I am looking to do a debt management/consolidation program, but was wondering if I should just contact those credit card companies that say to call them if I have "financial difficulties" instead? Also, which debt consolidation programs would you refer, if any? Thank you!

Would a debt consolidation program be a viable option for me? I have 3 credit cards: on one, I have almost 4,000 in debt on; the 2nd, I owe over $4,000; and on the 3rd, just over $1,000. I make my payments on time, and I pay higher than the minimum on two of them. However, between those credit cards, rent, car insurance, car payments, student loans, and everyday living expenses, it still feels like I'm not getting anywhere. I don't have a second job, although I'm currently looking. Therefore, I'm thinking of using a debt consolidation program. I would probably use it for two of my credit cards, and keep one for emergencies, especially since that card is connected to my bank account(overdraft protection). Would this be a viable, practical option for me?

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what are the federal laws about consolidating student loans? i want to get the best rate on my consolidation- does the government have a program or all the agencies private

Debt Consolidation program, do they work? How to find a good one? Or is going through the banks good way? I start a job Aug 3rd, (praying for no lay off). I have at least 60,000 in debt - combination of student loans, and credit cards. I would love to get rid of my credit cards once I am able to. I will only be making 26000.00 the first year. It would be nice to reduce my debt to 30,000 student loans if I can. I start a job Aug 3rd, (praying for no lay off). I have at least 60,000 in debt - combination of student loans, and credit cards. I would love to get rid of my credit cards once I am able to. I will only be making 26000.00 the first year. It would be nice to reduce my debt to 30,000 student loans if I can. I also still want to finish school. It would be nice if everything was managable.

Bush Signs New Student Bill, Federal Loans Cut!? Ok, I was just reading an article on Time magazine about Bush signing a new student aid bill. http://www.time.com/time/politics/article/0,8599,1666124,00.html?xid=rss-topstories "It also cuts in half the interest rates on federally backed student loans — from 6.8 percent to 3.4 percent — over the next four years." I am a second year grad student on a four year program, and my stafford loans are currently on 6.8%... can I take advantage of this bill? if so, will it be through consolidation when I finish school? or is this in effect before I finish school? Many thanks!

A friend of mine needs help with his finances...? He has a defaulted federal student loan, he's been trying to keep up with the payments...unfortunately he lost his job recently (company shutdown due to financial crises) and is being considered for another. Unfrortunately he needs to know if there is a debt consolidation program that works specifically with federal student loans...???? any assistance is greatly appreciated. Thanks for the inputs so far... was asked to ask if any of you know who he could consolidate with, most Banks won't do it because it is a federal loan...meaning that they won't guarantee a fixed rate for a consolidation loan...Thanks again fellas...my friend is pretty stressed out on this for he knows it's going to screw his credit up. For Faith: Thanks for the suggestion, but need more detail of who it is you're talking about that can help my friend out with consolidating his loans... email you gave, shows no profile on Yahoo! ??

Army--Questions--Very Important--Please Assist--Should be Active (rank may be required)? Hi Soldier!! My questions are as follows: I will be joining the Army and want to know because of my age restriction, if I enroll before my "birthday" cut off date--can I still defer duty for a couple of months--and my age be considered the age I enrolled, or if my birthday comes before I report to basic, that will matter and I will need to process all over 2-I don't believe my recruiter is being forthright, I am female and have a degree--how can I go about getting his statements in writing? Should this be done before MEPS? Is there a form? 3-The recruiter has mentioned no bonus system to me--I've had to research to find out I 'qualify' for the HIGrad program (up to 8K for 4 year college graduates--is there anything else I need to look into? 4. (2 part question)-I lost my job perhaps a year ago and have bills I'd like to consolidate--does the Army have a debt consolidation program, and if so, since I've had problems with repayment of a Sallie Mae student loan {just learned its in DEFAULT status--no choice of my own just the economics of living off of unemployment}, does this forfeit any tuition repayment assistance? Any help is absolutely appreciated! Perhaps, I should ask for another recruiter (please see all questions)? Thank you! *Will be entering as enlisted...what's the max time I can defer after MEPS process?

HELP! out of control debt, what should I do? I am a young single girl who has racked up A LOT of personal debt in the last few years, by basically being an idiot and trying to live a lifestyle I couldn't afford. I have stopped spending on any credit card, and am living on a cash basis completely. I have a good, well paying full time job, and a part time waitressing job, and I am also a college student. I have a car payment, and personal loan, and four credit cards! (two of which I am over 90 days past due on). I don't want to ruin my credit any more than I already have...but I don't know what to do. I don't make enough money. Is there any way I could make extra money? Is one of those credit score ruining consolidation programs really my only hope? I really wanted to do this on my own... Please Help!

My girlfriend's daughter needs your suggestions - She is in Financial & Emotional Distress? Her Mom and her dad are part of the reason she is in the situation - Her dad won't help out at all - her mom can't help her. She just entered her first year of Grad School through a program - she is now faced with financial debt that her mom helped put her in by getting quick loans for her mother - Her credit score was 700 now because of circumstances beyond her control - it has dropped 200 points. She has tried debt consolidation - however - that is $500 - that along with her car payment and rent will put her under - she has a part time job - but she also has to maintain a certain grade average and full time status to remain in the program - Her mom tells her to drop out for a year and get herself together - However - if she does drop out - she will have to pay back her student loan of $6,000.00 in 30 days - it's like she can't afford to stay and she can't even afford to drop out - I told her I would write to Y/A because I always get good advise - Thanks for your suggestions. ASAP

consolidate my defaulted federal student loan? Good people.... I have made about seven consecutive payments on my defaulted student loan with the hopes of "rehabilitation" . I THOUGHT that I was currently in a rehabilitation program to be "title 4 eligable" . However I recently found out that I must now request or petition to let my new repayments be toward (TITLE FOUR ELIGIBILITY) -be able to attend classes and obtain financial aid (!!) . At this point I am seriously considering possible consolidation.. I need all the advice on how to go about consolidation and hopefully be able to receive more financial aid so I could be down for the spring session.

Can anyone tell me more about the Making Home Affordable Program? Will I qualify? *Read More*? I have owned my home for 5 years, refinanced for debt consolidation twice, the last time being in 2005. I technically have an ARM loan that was supposed to adjust over a year ago but due to the failing economy the automatically made my ARM extended with no adjustments until 2014. I am struggling to pay all my bills, however I have not gotten behind on my mortgage payments whatsoever. My DTI is very high and my husband filed bankrupsty on his credit card debt after he lost his job a couple of years ago and went unemployed with no unemployement pay for 6 months. He tried continously to find work and was damn lucky to get the job he has now. In the mean time I had to take a pay cut and a HUGE cost of health insurance increase. Between the two of us we were doing much better financially 5 years ago than we are now even though we planned 5 years ago to have our annual income be double what it actually is thanks to our poor economy. ANYWAY, because of all of this he has crappy credit, I have very high DTI ratio due to student loans and my home is not worth the $97,000 we owe on it, I would imagine it would be worth more around $80-85k. What is this new program? My mortgage company said it is coming soon and I read over the documents they provided me with but it seems like a lot of jargon. My mortgage is through Wells Fargo. Is what I am hoping for is for them to refi me at a lower monthly payment OR at the very least just make my ARM fixed for minimum 15 more years. What do you think my options are going to be?

really need help? 1: Which was NOT a major success of Reconstruction in the South? an end to racist government policies the transformation into an industralized, urban region an end to tensions between the North and South all of the above 2: The main goal of the Ku Klux Klan during Reconstruction was to prevent African Americans from exercising their rights gain control of the state legislatures restore the Confederacy improve the conditions for poor whites 3: The Fourteenth Amendment was part of a series of laws that changed the way a President could hire government officials ensured the civil rights of African Americans restored the balance of power between the President and Congress shifted the balance of power in favor of the Supreme Court 4: Reconstruction succeeded in rebuilding many of the South's plantations forts railroads banks 5: The expansion of American industry was sparked mainly by public welfare programs technological advances and financial investments a decline in productivity in Europe government involvement in the economy 6: One thing a person could do in 1900 but not in 1865 was ride on a train sew a dress play a phonograph read at night 7: How did John D. Rockefeller gain control of the oil industry? He formed a trust. He practiced vertical consolidation. He joined a cartel. He practiced free trade. 8: The nation's first major labor strike was begun by railway workers angered about wage cuts and unsafe trains steel workers upset by the use of scabs women protesting lack of advancement in factories Pinkerton agents who threw a bomb at police 9: What was the one key requirement that applicants had to meet to receive land under the Homestead Act? They had to live on the land all year long. They had to farm the land for five years in a row. They had to file a claim with a bank. They had to wheel portable cabins from plot to plot 10: What was a major incentive in the settling of the West? the legal, private ownership of land the award of large land grants to the railroads the desire to limit slavery the refuge offered for outlaws and the oppressed 11: One reason that the United States became more urban during the late 1800s is that farm machines and factory-made goods reduced the need for farm labor nobody wanted to live on farms anymore immigrants did not know how to do farm work union organizing of farm workers had not yet begun 12: Where did European immigrants often settle in the United States? in western railroad towns in their ports of entry in the South near lakes 13: Prohibition groups saw a link between drinking and abuses by big business lower public morals anti-Asian feelings high tariffs 14: Reformers who tried to solve social problems by helping the needy believed that immoral behavior should be punished by deportation stricter laws were needed to discourage unacceptable behavior prosperous Americans should lead reform efforts the cultures of immigrant groups should be respected 15: During the late 1800s and early 1900s, what segment of American society was most likely to attend college? wealthy white men New Englanders gifted students middle-class women 16: During the early 1900s, most African Americans who went to college attended fully integrated universities African American colleges religious-based schools separate branches of white colleges 17: How did southern states keep African Americans from gaining political power? lynching segregation voting restrictions de facto discrimination 18: Why was the Open Door Policy important to the United States? It gave the United States territory in China It gave the United States access to millions of consumers in China It increased Chinese investments in the United States It kept European goods out of China 19: The United States followed a policy of expansionism in the late 1800s because European nations were eager to sell rights to their colonies many Americans were demanding high-quality foreign goods US factories needed foreign laborers the nation sought more markets for its goods 20: The first action of the Spanish-American War took place in the Philippines the Gulf of Mexico the harbor at Santiago, Cuba Puerto Rico 21: Among Latin Americans, United States actions related to the Panama Canal created hope for a prosperous future ill will toward the United States calls for Roosevelt's impeachment a long-lasting economic crisis 22: Progressivism was halted by the efforts of the NAACP World War I the repeal of the prohibition amendment the victory of the Bull Moose Party 23: Which belief was held by most Progressives? The government should be more accountable to its citizens. Housing and healthcare should remain private. The government should protect agricultural interests. The government should intervene in unfair business practices. 24: One goal that Progressives did not seek was the moral improvement of society the reduction of government corruption a ban on strikes child labor laws 25: One way reformers hoped to end corruption in government was to establish an income tax give voters more direct say in lawmaking provide more welfare services use the army to oust political machines 26: The platform of the Bull Moose Party supported unregulated competition the 12-hour work day women's suffrage a Federal Trade Commission 27: Under the terms of the Sussex pledge, the German government promised that the German navy would not attack any American ships German ships would not blockade Britain and France German U-boats would warn ships before attacking the German army would never invade Russia 28: The United States decided to enter World War I in response to Germany's return to unrestricted submarine warfare France's fall to the Central Powers the Czar's growing support in Russia a filibuster by United States senators 29: German submarines aimed to atack ships that were carrying weapons to the Allies passengers to the United States food to the Central Powers oil to Mexico 30: At the Paris Peace Conference, President Wilson's program for peace angered the Russians met no resistance among the Allies was backed only by France underwent several changes 31: After Wilson presented the treaty to the United States Senate, the Senate ratified it only the "irreconcilables" backed it the Senate rejected it only the "reservationists" backed it 32: One result of Prohibition during the 1920s was an increase in alcoholism a decline in dancing and socializing the rise of organized crime the creation of urban artistic colonies 33: Which of the following was a long-term effect of Prohibition? the consumer economy the growth of organized crime an end to alcoholism in the United States the rise of fundamentalism 34: William Jennings Bryan took up the cause of fundamentalist Christians at speakeasies in Chicago on new buses to the suburbs at the Scopes trial in Hollywood studios 35: Key features of Republican administrations of the 1920s included expansionism and business regulation isolationism and laissez-faire business policy a buildup of armaments and armed forces reduction of quotas and increased immigration 36: Why did many Americans fear Vladimir I. Lenin and his followers, the Bolsheviks? They promoted a system that was hostile to American values They refused to pay back Russia's war debts They had abolished the Russian monarchy They encouraged other nations to reject socialism 37: Generally, the 1920s were marked by rising farm prices rising stock prices falling production falling wages 38: One sign that the economy might be weakening in the 1920s was uneven distribution of national wealth underproduction of consumer goods an increase in personal savings the collapse of large corporations 39: Which statement best describes the American economy in the 1920s? Wages decreased and the economy appeared weak Unemployment was at an all-time high Stock prices rose and the economy appeared healthy Small businesses dominated American industry 40: In the fall of 1929, a wave of panic selling gripped the stock market as a result of a sudden fall in stock prices corruption among stockbrokers business failures government limits on speculation 41: Not long after Black Tuesday, the stock market crash was affecting only those who had invested heavily in stocks wealthy industrialists almost exculsively millions of Americans, many of whom had never owned stocks mainly stockbrokers and banks 42: Why did FDR declare a "bank holiday" early in his administration? to cut of the use of cash to weaken the banking industry to inspect the financial health of the banks to give people in the banking industry a well-earned vacation 43: Which New Deal agency was created to help businesses? Federal Reserve Board National Recovery Administration Civilian Conservation Corps Home Owner's Loan Corporation 44: Which of the following did New Deal programs fail to address? protection of domestic workers low prices for agricultural products the decline of industrial prices Native Americans' need for schools, hospitals, and irrigation systems 45: All of the following New Deal agencies still endure today except the Tennessee Valley Authority Federal Deposit Insurance Corporation Civilian Conservation Corps Securities and Exchange Commission 46: What did Italy, Germany, and Japan have in common in the 1930s? They overturned traditional governments and established democracies. They were economic giants and together controlled world trade. They sought to solve their nations' problems through conquest They angered other nations by their persecution of the Jews 47: Although Communists and Fascists have traditionally been enemies, in 1939 which Fascist made a pact with which Communist? Hitler with Chamberlain Hitler with Stalin Hitler with Franco Stalin with Franco 48: Nazism was an extreme form of communism fascism nationalism none of the above 49: During the 1930s, the United States focused largely on preparing for war domestic affairs international affairs international and domestic affairs 50: Congress passed Neutrality Acts that were designed to support other neutral states around the world support other nations in the Western Hemisphere limit international involvement allow nations to purchase weapons on credit I know this is a whole lot i have done all this i just dont wanna turn it in untill i know its totally right please helpp &&&& please if you have nothin good to say and if your going to yell at me not comment.. THANX

Who should I talk to about Financial Difficulties? The short version: I've got considerable student load debt that I simply cannot afford the monthly payments on. I've tried all the usual ideas for fixing this, ie. forbearance, consolidation, etc. The bulk of my loans are through Sallie Mae and anytime you try calling them you talk to 15 different people who barely speak English and tell you 15 different things. I am very willing to repay these I simply can't afford it along with my consumer debt (which is in a debt management program), rent, other bills, etc. What kind of professional should I talk to? An accountant? A banker? A lawyer? I need help and don't know where to turn.

Student Loan Consolidation? My husband needs to consolidate his student loans. He has both private and federal loans. What would be a good place to do this with? A credit union? We strongly dislike SallieMae, they have given us a lot of problems in the past. I have run a few searches and come up with a lot of places online that will work with you to consolidate them, but we would prefer something where we could actually talk to a real person. Any suggestions? I would also love to hear if you have had a good experience using an online program for this. Thank You!