navigating student life intelligently…….
Jan 27
Student Loans Q&A credit crisis, lenders, private student loans, reputable company, student loan consolidations 1 Comment
I’m trying to consolidate my private student loans, and a lot of lenders I’ve contacted are not currently offering this service because of the current credit crisis… Anyone know of a reputable company that is still offering student loan consolidations?
Dec 23
Student Loans Q&A disability, interest rate, lenders, Student Loans Q&A, wheelchair 4 Comments
I just graduated with k in student loans, and I’m wondering if it’s worth it to consolidate, or if I should leave my loans as they are.
My rate is a bit over 6%, and my payments (which start in December) will be about 0 a month.
I have a friend (who is married to a guy in a wheelchair) that has always said that she would never consolidate her student loans, because, if you do, your loans aren’t forgiven in case of complete disability, as her husband’s were.
On the other hand, a lower interest rate would be nice.
What factors should I consider when deciding whether to consolidate?
If consolidating would be a good choice, are there any particular lenders that you would recommend?
Dec 21
Student Loans Q&A good credit, interest rate, lenders, loans 2 Comments
I have three loans from three different lenders. Who would buy up all three of my loans and give me a decent interest rate? I have good credit.
Dec 13
Student Loans Q&A lenders, loans 2 Comments
I am an undergraduate senior student and I plan to go to graduate school next year. I have about ,000 in loans both federal and private through different lenders. I want to combine the payments but get it deferred while in graduate school. Help please
Dec 07
Student Loans Q&A grants, lenders, Student Loans Q&A 4 Comments
so im getting ready to graduate and I have massive student loans…what is the best way to pay these off and keep the payments cheap? they are from different lenders so do i consolidate and refinance? are there are payoff grants for medical personnel? any ideas or tips would be much appreciated! 10 points to the most helpful answer!
Dec 01
Student Loans Q&A car payment, Credit Cards, credit report, homeowner insurance, income loan, income ratio, insurance, lenders, minimum payments, mortgage payment, paystubs, property tax, report mortgage, Student Loans Q&A, tax returns 5 Comments
I have been hearing that lenders will be discontinuing the stated income loan completely. Does this mean that everyone will need to provide tax returns, w2’s and paystubs to qualify for residential refinance and purchase loans? How many of you can qualify with what you make to refiance or buy a house? Will everyone have to have an overall debt (monthly minimum payments (on credit report), mortgage payment, property tax and homeowner insurance) vs income ratio of 45% or less? Let’s say you make 00 a month can you afford to buy a house, pay taxes and insurance on it, pay your car payment, credit cards or student loans and still stay at 00 month total payments so that you qualify? Does anyone think this is unrealistic?
Nov 29
Student Loans Q&A graduate law, interest rate, law school, lenders, school help, undergraduate student loans 4 Comments
I am starting law school this fall. I have about ,000 in undergraduate student loans and I know absolutely nothing about finances! My loans are spread among 4 different lenders and people are calling my house everyday telling me that I will get all kinds of benefits if I consolidate. I didn’t consolidate when I graduated because the interest rate was high and my loans will go on deferment when I start school. So…the question is, will it really be worth it to consolidate now or are people just trying to sell me a loan? If I do not consolidate now, what are the chances that the interest rate will be lower by the time I graduate law school? Help!
Nov 29
Student Loans Q&A financial aid student, lenders, student loan 3 Comments
I have to choose a lender for my financial aid student loan offered, and do not know which one of eight lenders to choose from. HELP!!!
Nov 22
Student Loans Q&A acs, email reminder service, federal government, lenders, loans, mae 1 Comment
I’m with two lenders (Sallie Mae and ACS) and I’d like to simplify my payment process. I keep on getting letters from them about consolidating my loans with the federal government to lock in my rate.
Is this worth it? Will I end up paying less, more, or nearly the same?
ACS has been an absolute pain to work with and their email reminder service is flaky at best, so I’d like to get away from them if possible.
Oct 19
Student Loans Q&A disability, interest rate, lenders, Student Loans Q&A, wheelchair 1 Comment
I just graduated with k in student loans, and I’m wondering if it’s worth it to consolidate, or if I should leave my loans as they are.
My rate is a bit over 6%, and my payments (which start in December) will be about 0 a month.
I have a friend (who is married to a guy in a wheelchair) that has always said that she would never consolidate her student loans, because, if you do, your loans aren’t forgiven in case of complete disability, as her husband’s were.
On the other hand, a lower interest rate would be nice.
What factors should I consider when deciding whether to consolidate?
If consolidating would be a good choice, are there any particular lenders that you would recommend?
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