What is the best way for me to try to get a debt consolidation loan? [more inside]
posted by drjimmy11 on Dec 3, 2009 - 6 answers

I am in debt to the tune of about 20,000 in credit card debt. However, I have great credit, (739) which I've finally cleaned up after a horrible year of ID theft. Most of my debt is on one credit card at 12% APR. I make about 35,000 a year, rent, and don't have any equity or a car. At the rate I can afford to pay at this point (450/month) I'll be in debt for about 8 more years. This seems unreasonable. Should I take out a personal loan, sign up for several low APR credit cards that offer no interest for a year, etc... I live off what I make at this point, and look forward to a credit card-free future. Thanks!
posted by letstrythis on Jul 4, 2009 - 23 answers

Buying a house soon: is it better to pay down my credit card partially, or pay off a small personal loan? [more inside]
posted by anonymous on Apr 3, 2009 - 5 answers

My sister and her husband are in serious debt. My wife and I are going to act as their financial advisors to help them get it together. Can anyone recommend any programs/products we can look into? [more inside]
posted by Chuck Cheeze on Feb 19, 2008 - 39 answers

Does this make sense? I'd like to use a credit card "convenience check" that is offering 1.99% APR for 12 months to pay down some of our home equity loan that is hovering at 8.25%. [more inside]
posted by tdabbott on Aug 26, 2007 - 10 answers

How can a non-U.S. citizen (or anyone without a social security number) get a credit card or a student or private loan?
posted by k8t on Jul 11, 2005 - 11 answers

FinancialFilter. I'm looking to consolidate credit card debt and am not sure what my options are. Advice?

I owe about $13,000 on four credit cards (14.9% - 19.9% APR), and about $35,000 on a consolidated student loan (4.5% APR). I've had a checking account with my current bank for over four years, but no savings account. I'm employed full-time, would be willing to close all but one of my credit card accounts when paid off, and although I don't know what my credit rating is, I know it's got to be pretty good. Oh, and I'm female, over thirty, if that matters.

What kind of APR could I expect from a signature loan? Is a signature loan a good idea? Should I leave my student loan as is?
posted by anonymous on Jan 27, 2005 - 11 answers