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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

Anyone used 4pillars.ca for debt consolidation?

Anyone used 4pillars.ca for debt consolidation? [more inside]
posted by anonymous on Jun 3, 2010 - 2 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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