Brad M asked:


I want to get a debt consolidation loan, WITHOUT using my home equity, but they are telling me my credit score is great, but by ratio is too high. Well, I want to consolidate all the CC debt I have, but it’s running me in circles. What’s the point of trying to get a consolidation loan if they won’t lend it to you because you have too much debt? Does anyone know of ANY bank or anywhere I can turn to that understands and can try and help me? Thank you for your help!

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Ann asked:


I actually finished school in October and I’ve been trying to get in grad school for the last 6 months, but it appears i won’t start until August. I will have to start paying my undergrad loan on March 17. Should i consolidate now or what until I am done with grad school? If I start paying, will this not allow me to consolidate my unsub and sub at all? Unsure?

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gsforgrace asked:


I am looking for a debt consolidation or debt relief company that is reputable and will do the job. I need to consolidate medical bills, pay day loans and credit card bills.

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summerlvr asked:


I have 3 student loans out from college: 1 state, 1 federal, and 1 from my bank and a maxed out credit card that I am paying off. Is there a way I can consolidate all of these together for a lower monthy payment? Right now I pay each bill seperatly and the interest rates keep climbing! Any advice? I am under the impression that I cannot consolidate state and federal loans together…am I wrong about this?

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Nicole h asked:


Hello all, I have a question regarding debt consolidation. I have about 15k worth of debt and have tried applying to two companies for a debt consolidation loan and was denied both times. I thought about trying what one of the other posters suggested , writing to the individual companies threating a voluntary bankruptcy order. I have about 10k in the bank, but I don’t want to borrow from that lender because I wouldn’t be able to use the money in my account. My credit is only good. What other options do I have? Thanks

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m_snider9430 asked:


I am approximately $25k in debt, should I use a debt consolidation agency?

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Chubby asked:


I need a reliable trustworthy debt consolidation service quickly. I’ve heard that most advertised agencies are to be avoided.

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Benny M asked:


So I’ve searched and called every bank and student loan consolidation firm and no one is consolidating, except for Citibank.

I’m disappointed, I mean not even the government backed agencies and the gov’t itself are willing to consolidate because the economy is so crappy.

Anyone know any place where I can get a somewhat decent rate? And when I said everyone has closed their doors, even Nextstudent, Myrichuncle the list continues. All because it is not profitable to consolidate.

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