34 posts tagged with consolidation.
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Consolidation loans for people with bad credit?

I have some private student loans that I didn't pay for a long time (because I didn't have a job). Because of this, my credit is terrible. I would like to pay the loans so the debt collector leaves me and my family alone, but I can't find a consolidation company that will lend to me because of said credit, even though I do have a great job now and over a year of on-time payment history for my federal student loans. My credit is going up, but not fast enough, I guess. [more inside]
posted by woodvine on Feb 24, 2016 - 15 answers

How to evaluate multiple software platforms for consolidation

"Help me do my job" filter. I work for a tech company, as a software developer/manager. Our group (a dozen people or so, including the managers/senior developers) has recently merged with another, and between us we now have a lot of "core platform" technology that is duplicated across all the varied products (think - user authorization/authentication, user preference storing, file validation, core business tasks like matching names to identifying numbers). And now we want to consolidate these so there is only 1 piece of software doing the core platform work. How do we do this? [more inside]
posted by ish__ on Aug 20, 2015 - 6 answers

Legitimate Credit and Debt Counseling

Family member is in debt and needs help getting out of debt. I've researched both Appraisen and Clearpoint but both seem to be run by a corporation. I don't know if that's a good thing or not. Some credit counseling firms have charged big fees and gotten some people in worse trouble and even deeper in debt. I don't want her to get locked into something worse. Do these really help? Are they legit?
posted by CollectiveMind on Oct 27, 2014 - 18 answers

debt consolidation, good move at the expense of my credit?

briefly, over the last 3 years i experienced various times of unemployment. I've unfortunately accumulated about $45k in credit card debt. Does it make sense for me to have a debt consolidation service negotiate my balance down at the expense of my credit? [more inside]
posted by foodybat on Jun 22, 2014 - 20 answers

Has anyone consolidated PRIVATE student loans?

I owe "the man" a good deal of money. I am consolidating my public loans. I would also look to consider my private loans. Has anyone done this? Recommendations? [more inside]
posted by IzzeYum on May 19, 2014 - 4 answers

Any experiences consolidating student loans with SOFI?

I just found out about SOFI, a company/ service that will let you consolidate your student loans - they solicit other alumni to lend. I am not interested in consolidating my federal loans (want that federal guarantee / public service forgiveness option) but I have two companies now servicing my private loans and think this could be a good option for me. [more inside]
posted by ethel on Sep 6, 2013 - 2 answers

Loan Etiquette?

When is it too late to increase the amount of a consolidation loan request? [more inside]
posted by R2WeTwo on Jun 24, 2013 - 2 answers

Loan Consolidation with a Perkins loan?

Should you apply for Special Direct Loan consolidation if you have a Perkins loan? [more inside]
posted by sunnychef88 on Jun 30, 2012 - 1 answer

Which credit card should I keep?

I have $25,000 of credit card debt, spread out evenly over 3 cards. My interest rates are 18% (on a card I've had for almost 20 years), 15% (on the card with the highest limit), and 13%. Which one of these should I keep to minimize my debt but maximize my credit score? [more inside]
posted by anonymous on Jun 4, 2012 - 8 answers

Some advice, and a shovel, would be handy (re: student loans)

Can you help me figure out what to do with my student loans? Payments are due next month and I have no clue what to do next. [more inside]
posted by anonymous on Jan 6, 2011 - 25 answers

Can you spare some guidance for the hopelessly financially ignorant?

Is it worth consolidating my student loans, and if so, how do I go about doing it effectively? [more inside]
posted by DeusExMegana on Nov 5, 2010 - 9 answers

This is about to get scary.

I have about 56,000 in private student loans from Citibank. They are at a variable interest rate. The interest rate right now is, of course, very low. When interest rates inevitably go back up, these loans are going to get very expensive. I have been unable to find anyone who will consolidate or refinance these loans. [more inside]
posted by troublemenot on Sep 3, 2010 - 11 answers

Private student loan hell.

Is there any way out of this hole? Private student loan hell. [more inside]
posted by Raze2k on Aug 6, 2010 - 17 answers

Need credit cards debt advice

Help with credit card debt! As a recent graduate struggling to pay off my student loans, I want to get a handle on my debt situation. I have about $6000 in credit card debt, all on 3 cards with bank of america. B of A just raised my interest rates to about 25% each. I have tried to transfer my balances to other cards with lower interest rates, but no cards will let me because my balances are too high! Help! [more inside]
posted by tessalations999 on Jan 14, 2010 - 14 answers

Help! Credit card elimination or consolidation?

Help! -- My credit debt is nearly $50,000, my mortgage is upside down by 25% and my fiancee walked out the door a month ago. I can't make my bills. I'm trying to sort out which route to go with the credit cards. A service like CCCS? Or some other route like Credit Elimination? Please help me understand this. Thanks
posted by antipode12 on Dec 6, 2009 - 26 answers

What is the best way for me to try to get a debt consolidation loan?

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

Citiassist assistance

In order to pay for graduate school a few years back, I took out two CitiAssist loans to pay for food and rent. A couple of years on, I've consolidated all of my federal loans, but the CitiAssist loans can't be consolidated with federal loans. [more inside]
posted by Sara Anne on Oct 3, 2009 - 4 answers

Differences between Excel Pivot Tables

Why is the functionality of an Excel Pivot table different depending on whether you use a list or a multiple consolidation range? [more inside]
posted by DZ-015 on Sep 4, 2009 - 1 answer

Economy's effect on my debt

[LoanFilter] I have 20k in six Federal Stafford loans. Consolidate now? [more inside]
posted by Etta Hollis on Apr 1, 2009 - 2 answers

SallieMae won't cut me a deal, who else will?

How can I consolidate my PRIVATE student loans, to make my financial life a little easier? [more inside]
posted by SansPoint on Jan 29, 2009 - 5 answers

Open-source or trial de-duplication tools anyone can recommend?

I have several old data backup devices, with some overlap on what's on them. I'd like to consolidate them all onto a new device, but without having 3 copies of the overlapping redundant data. I think the term I'm looking for is de-duplication. Any open source or free trial tools that MeFites can recommend? [more inside]
posted by penciltopper on Jan 9, 2009 - 2 answers

How can I investigate/remedy possibly misleading loan agreements from several years ago?

Debt/Loan Filter: I was stupid with credit and debt when I was younger. Is there anything I can do now? More details inside. [more inside]
posted by slavlin on Aug 24, 2008 - 11 answers

Credit Card Ugh

How to get a new credit card with a high limit to transfer a bunch of smaller balances to when your FICO score looks more like your bowling score? [more inside]
posted by cellphone on Jun 17, 2008 - 17 answers

What should I do about my debt problems?

I am having some serious financial issues. Who, in Eastern Canada, can I talk to about this kind of thing? [more inside]
posted by anonymous on Mar 18, 2008 - 1 answer

Student loan consolidation scam avoidance

Student loan consolidation and the current economy: Should I consolidate now, or wait a few months? Are interest rates as they apply to student loan consolidation likely to drop? Bonus question: are you happy/unhappy with the company you consolidated with? [more inside]
posted by jennyjenny on Mar 1, 2008 - 1 answer

Student loan consolidation- so what?

I'm trying to evaluate student loan interest rates for possible consolidation as I get quotes. All the consolidated rates (so far) seem to be the same. What am I looking for? [more inside]
posted by rryan on Jan 14, 2008 - 4 answers

Please ensmarten me about LAN/WAN/Co-Lo

3 LANS are getting hard to manage. Please ensmarten me about WANs and Colocation. [more inside]
posted by bartleby on Oct 12, 2007 - 3 answers

Find me an education loan consolidator

Recommend me a good educational loan consolidator. [more inside]
posted by calistasm on Oct 11, 2007 - 8 answers

Is the car dealer talking out of his hat?

So I finally bought my first car (not counting the 20 year old brown volvo I part owned for 3 months in Canada). During the 'chat' with the finance person at the dealership he was adamant about two things that puzzled me [more inside]
posted by Rc on Oct 2, 2006 - 14 answers

Saving the Kitchen Sink

Recently I was contacted by a company called Liberty Settlements regarding my outstanding debt. [more inside]
posted by Raze2k on Jul 28, 2006 - 10 answers

loan consolidation? now or later?

LoanConsolidationFilter. I know this question has been asked before, but I can't find any information about my specific student loan cirucmstance. Please help! Should I consolidate in-school and lock in low rates? Ive been told i need to do it before July 1st or i cant consolidate in school anymore! [more inside]
posted by jare2003 on May 12, 2006 - 7 answers

my life is in default

I'm in (defaulted) student-loan hell. [more inside]
posted by anonymous on Dec 30, 2005 - 18 answers

school loan consolidation

It's the time to consolidate my school loans, or so I hear. My question is have any of you had good/bad experiences with loan consolidation companies? Are there any I should stay away from? With school interest rates at a low, will my payments be the same regardless of whom I consolidate with? I'm looking for pretty much any experience fellow MeFites have with loan consolidation so I don't mess this up.
posted by jmd82 on May 20, 2005 - 15 answers

How should I consolidate my credit card debt? What about a signature loan?

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

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