Basically I have quite a few loans from college and all of my bills are really starting to pile up. I thought I had my budget balanced with money left over for gas and food but apparently I was wrong, since every week/month I seem to have less and less money in my bank account. I figure right now I have two choices, consolidate my loans or get a second job, since I work nights, that shouldn’t be a problem, but I’d really prefer another strategy. Is there anyone that has any advice on loan consolidation or anything else? Thanks!
not sure if I confused you, but the loans are all ready out and spoken for, I have to pay them off now.
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Get a second job
You do not need a loan, you need to increase your income
Just because you want to take the easier route out of this, doesn’t mean it’s the right one.
Also, I highly doubt you would get approved anyways.
Those college loans can be defferred if they are from the government.
Once you put them into a consolidation loan, you can’t do that.
Plus, student loans have really low interest rates – why would you want to consolidate those?
Consolidating loans is never the way to get out of debt, since it will just put you in more debt.
Google “cons of debt consolidation”
Make sure you know what the consequenses are.
You can get a book on Credit & Debt Repair from your library or bookstore.
They may have info in them on how to negotiate lower rates or settle your debts.
I’d go looking for another job tonight.
Try your local classified ads.
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hey,
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Last year I found a site that helped me to save more than 30% …
They are one the best websites .
If you really need help, I would recommend you
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http://www.gooddebtsettlement.com
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Really hope it was helpful for you