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 -
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 -
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 -
When is it too late to increase the amount of a consolidation loan request? [more inside]
posted by R2WeTwo
on Jun 24, 2013 -
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 -
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.
posted by anonymous
on Jan 6, 2011 -
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 -
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 -
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.
posted by antipode12
on Dec 6, 2009 -
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 -
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 -
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 -
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 -
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 -
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 -
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 -
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 -
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 -
3 LANS are getting hard to manage. Please ensmarten me about WANs and Colocation. [more inside]
posted by bartleby
on Oct 12, 2007 -
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 -
Recently I was contacted by a company called Liberty Settlements regarding my outstanding debt. [more inside]
posted by Raze2k
on Jul 28, 2006 -
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 -
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 -
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 -