Consolidation Loans Guide .com

will getting a federal consolidation loan affect your chances of getting graduate school loans? I have two jobs and still struggle to pay my student loans and for this reaosn I am considering a consolidation loan. Eventaully I owul dlike to go to graduate school. If I were to get a consolidation loan would that affect my eligibility for grad school loans in the future?

Where do I find a school loan consolidation place? Or is there a place to help with school loans?

Who offers the best school loan consolidation? I have $60,000+ in combined school loans for my graduate and undergraduate education. I have two subsidized staffords, two unsubsidized staffords, and one previously consolidated loan. My grace period ends in March and I am looking for the best deal to consolidate. At a minimum, I am looking for vendors who: - do not charge a fee for applying or consolidating with them - offer interest discounts for direct debit payment and on-time payments - have no prepayment penalties - offer interest rates lower than 5.25% which is what I found at Citibank Do you have any leads?

How long does a school loan consolidation take? I applied a month ago and my current lenders do not seem to be cooperating with direct loans by sending them payoff information. Should I be concerned? How long does this process typically take?

Does any one know any place that does consolidation of federal school loans? Other than Sallie Mae.

Is there a single lender rule in federal school loan consolidation?

Consolidation Student Loans when deffering for school? 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?

I keep getting phone calls about federal school loan consolidation, who can I trust?

school loan consolidation, help!? Its been about 6 months now since graduating college. How do I go about consolidating and beginning a payment plan on these loans (about 15 grand worth). Do I have any options? Thanks!

I want to consolidate my defaulted school loans and defaulted credit card.? I have 6 defaulted school loans for about $6500 and a $1500 credit card loan that I would like to consolidate all together if possible. Can anybody recommend a good consolidation loan that could help me? I am trying to catch up and get my finances in order.

I only have one semester left of school, should I consolidate my student loans now to get the lower rate? What if I decide to go to graduate school? How will that effect the loan consolidation?

what are the changes in effect through June 2006, in the school loan programs regarding consolidation.? I am hearing that only through June, that past consolidators stuck in the higher interest rates can get lower interest rates. And that this window of opportunity closes in June.

Can you refinance student loans after consolidation? I consolidated my student loans years ago (when interest rates were high). Last year I called my lender to see if I could refinance and take advantage of the lower interests rates. I was told that I could not do this because I had already consolidated my student loans and you would not refinance without consolidation. Is there any way around this? I am back in school and currently paying cash for tuition. If I instead took out a small student loan this term, could I then consolidate that loan with my other student loan and take advange of the lower interest rates that way?

which is the best loan consolidation option after graduation from a graduate school/? I jsut graduated from grad school and i need to which is the best loan to consolidate. I am in atlanta. Please help guys.....

What is the best student loan consolidation company? Recently, I consolidated my student loans (undergrad, grad school loans). After I received the final break down, it appears that I will be paying double over the 25 year pay back period even with a 6% interest rate. This is ludicrous and certainly NOT what the agreement stated. I need to find a better company with better rates and soon. Any suggestions - help!!! This company is really not the best and I plan to change soon. Send links and your advice on how they have helped you!

Will closing ym credit cards help me get approved for a debt consolidation loan? I have tried to get approved for a debt consolidation loan so I could have my credit cards and school loan under one monthly payment rather than juggling several payments but I get denied because I have too much credit in my name right now. If I close all the credit cards will this help me get a loan approved? It would make life so much easier if I just had 1 steady monthly payment.

What questions do I need to ask to get the best rates and terms on a Federal Student Loan consolidation? Interest rates (Sallie Mae) will most likely be going up on July 1. I have received many, many offers in the mail to consolidate my school loans (these are similar to credit card offers). I do want to lock in at a fixed lower rate before rates increase. Currently, rates vary from 2.75% to 4.75%. What do I need to know to not get screwed? Are some companies more reputable than others? How would I find out? Are there hidden fees to be worried about? I graduate this June.

I have bad credit and debt and I need a loan for $17,000 for debt consolidation and school. Any ideas? I have tryed debt consolidation places but I need to loan to be able to do it all because they dont cover some of my debt.

if a student consolidates educ loans,starts repayment, then returns to school, can repayments be suspended? My daughter is starting nursing school in January, '07. Her grace period for loan consolidation ends in Nov. 06. She plans to start repayment in Nov/Dec as required, but wants to suspend when she begins her nursing course in January. Thus, the question, can repayments be suspended? If so, when she begins payments again, at what rate will she be paying---when she left off or at the new rate when she restarts?

How to pay off college loans/debt? What are my options? I know there is something about loan consolidations. I know if you join the armed forces they usually pay off your debt. I know there are loan forgiveness programs for teachers, whereas they can teach at low income school districts and have their loans paid off. I am a sociology major who wants to work with children in the future. If you took out loans while in collge, how did you pay off your debt?

default student loans? i have a defaulted student loan and i want to go back to school. is loan consolidation a good idea and will it enable me to go back to school and also get financial aid?

Can you apply for a student loan after debt consolidation? if you already have one loan, what if it's differed due to disability? How does this work? Can you apply for a student loan after debt consolidation? if you already have one loan, what if it's differed due to disability? How does this work? At the time the first loan was taken out (it was for around 4,000 and it was to a school that was a scam, but they got away with itbecause they knew the ins and outs of pulling off their scam very well. . so I'm asking about applying for another loan / consolidation, not discussing the previous one.

whats the best way to go about student loan consolidation? 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.

Is it possible to get a consolidation loan with really horrible credit? I was in the hospital a while back and bills started piling up. I lost my job, was kicked out of school, and then my car broke down. I had no way to pay my bills and now that I have a job, I can't pay any minimum payments on anything including my student loan. I was just wondering if it was possible to get a consolidation loan to pay one low payment with my extremely horrible credit.

Can private and fed.student loans survive bankruptcy? If u took out a huge loan to attend a school and the school turns out to be a scam, left the victim bankrupt and completely broke, via a "trade" school can u declare bankruptcy ? If too much time has passed to file any suits under the statues of limitations, etc...Will the loans survive? They have since been sold to another company's, loan consolidation?

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!!

My student loans have already been consolidated, but I want to reduce my interest rate? Any options? My student loan was consolidated in 1998-1999. They are stafford loans, used to pay for my law school education. My interest rate is at 8.25%, and apart from decreasing the interest rate by .25% with online payment, Sallie Mae/Bank One has offered me no other options, since my loans are already consolidated. Any options, other than to take out a new private loan for consolidation?

What is the best company to consolidate my loans through? I have a debt after school of about 60,000. And I need a fixed interest rate consolidation loan so that I can afford to pay the payments each month. Anyone have any good advise? Any great companies to consolidate through?

Going to graduate school, consolidate now or later? I have a question about student loans consolidation. I am going to finish my undergrad this summer and going to graduate school this fall, should I consolidate my loans now or after graduate school (3 years from now)? I am getting a lot of mail and phone calls from these company and I was just wondering if it was a wise decision to consolidate now? I have about 16,000 in debt from undergrad, and after graduate school, the total will be about 100,000. Thanks!!!!!!!!

Consolidation of student loans? So here's the deal... I'm 21, married, have a 7 month old son, and will be graduating in a year and a half (hopefully with an accounting degree). I'm getting mailed all these "deals" about consolidating my loans. Is there a catch? Are they really good deals? Some of them say to "consolidate by June 1 to lock in low rates." Are the rates really going to get high enough to seriously consider consolidation? Should I do it while I'm still in school? What about refinancing... is it an option? I've reviewed some of the other questions on this topic, so please try to be specific to my particular situation. Thanks

Can debt owed to IRS be paid thru debt consolidation? I owe, owe, owe, but no credit cards, maily school loans and IRS!

Loan Consolidation Questions (Direct & Perkins)? So I recently got out of college and thinking about loan consolidation. I consolidated my Federal Direct Subsidized Stafford Loan a year or so back before the interest increased to 6.8% (While I was still in school). Since that consolidation, I was still in school and accepted another year's worth of Federal Direct Sub Stafford Loan. I also have Perkins Loans. Would it make sense to consolidate my last year's Direct Fed Sub Stafford Loan to my existing consolidated loans? Should I also consolidate the Federal Direct Loan with it too? SallieMae: 5.125% Direct Loan: 6.8% Federal Perkins: 5% If I consolidate those three all together, the weighted interest would be 5.375% Should I leave Perkins Loan out and just reconsolidate my SallieMae with my last year's Direct Federal Sub Loan? This should be then 5.625%

Im considering debt consolidation? I have various written off debts - including old cc's, school loans in collections and my car is on the verge of being of repossessed. Does debt consolidation cover written off / repo'd items? What company's out there would you recommend? Thanks so much!

Student Loan Consolidation...yikes!? I currently have $17,000 in undergrad thru SC Student Loan and $37,000 in Grad School thru Wachovia. Is consolidation the best option for me? What are some good consolidation companies that dont have "fine print", "gotchas" and "hidden problems"? Any testimonials or advice? Suggestions?

what is a consolidation loan? school loan

I need to advertise for a student loan debt consolidation company that targets students around UF, ideas? By UF I mean the University of Florida, I need some way to network myself with the soon to graduate and the med school/law school/graduate school students. I don't need a debt consolidation company, I'm going to start working for one. I need to advertise for it.

How does amortization work for several loans with the same lender? I have multiple school loans from the same lender. Some undergrad, some graduate, at different interest rates and with different balances. However, I pay one lump sum to the lender each month. This is not a consolidation loan which wouldn't benefit me based on my current rates, this is just me paying with one check and it gets divided up. My question is how do they divide it. I understand that the payment is applied to interest first and then to the principal. What I don't get is how the lender divides the payment between each principal. For instance, if I send a $500 payment. Federal unsubsidized Loan A-accrued interest $70 Federal unsubsidized Loan B-accrued interest $30 Federal subsidized Loan C- interest paid by govt. while in school. Total to pay interest=$100. What happens to the other 400. Does it get split evenly among the three loans? Or does it get applied in a percentage based on the outstanding balance? Should and can I request it be applied in a certain way? I should mention that my loans are deferred right now because I'm school but I'm still paying so the interest doesn't capitalize. Right now there is no certain loan term, eg. 10 years. Until I'm out of school these are just considered extra payments. I don't know if that matters in how they apply the payments. Thanks.

Can you apply for a student loan after debt consolidation? if you already have one loan, what if it's differed due to disability? How does this work? Can you apply for a student loan after debt consolidation? if you already have one loan, what if it's differed due to disability? How does this work? At the time the first loan was taken out (it was for around 4,000 and it was to a school that was a scam, but they got away with itbecause they knew the ins and outs of pulling off their scam very well. . so I'm asking about applying for another loan / consolidation, not discussing the previous one.

Student Loan Consolidation - Will it lower my mthly payment? By the time I finish school next year, I figure I will owe the following in sub/unsub student loans: $12,990.02 2.875% (Student loan deferred from last time I was in school, 82 mths (of the 120) left in payment term.) $10,884.10 6.80% $13,000.00 6.80% I used the payment estimator and it said my monthly payment will be $455.26! Will my mthly payment be lower when I consolidate the loans?

What is the best way to pay off student loans? Upon completion of college, I will owe in access of $40,000 (should have chosen a cheaper University). Besides hoping for a well paying job, any tips on how to pay off the loans in a 3 year time period? I want to go to grad school but I am willing to stop after my bachelors to pay these loans down first. From my colleagues, I have been hearing that consolidation is a ripoff.

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!

Credit Consolidation?!? Hi i need to do something to help my credit situation. All of my creditors want to high of a monthly payment and i cant get around to everyone that way. I need credit consolidation that will help with school loans, credit card debit medical bills phone bills eviction and other misc. Please help!

Student loan consolidation? what advice do u have? What can you tell me about student loan consolidation? any advice? I have about $22, 000 so far but will probably be going back to school still. If I get any other loans how will that affect my consolidation?? HELP!!

I am looking for some advice on paying off student loans. I just graduated and am having a hard time.? I am in the process of consolidation so that all the loans I got while in school are with one lender but I do not know how to determine where the best place to pay back my loans is?