setzer_katie asked:


I am graduating in a month and need to know when i have to start paying my student loans? I heard that i am supposed to consolidate my loans into one loan.. Is this true? Has anyone ever done this?

javajunkie asked:


Hello. I am a recent law school grad with 120k of student loans (both private and federal) and I’d like to find out a way to consolidate my loans and hopefully lock in a lower interest and payment rate. Does anyone have any good advice on which bank to chose and how to go about consolidating? thanks!

Anthony T asked:


I graduated in May and still in 6 months grace period for my student loan. I would like to know what is the best rate (APR) to consolidate all my student loans.

warnermshue asked:


I have a few different student loans through different banks, all federal loans and one private. I know I’m probably not going to be able to find anyone to consolidate the private loan with the federals but I’d at least like to get all of my federal loans consolidated. I haven’t been able to find ANYWHERE to get this done. Please help!

Loon-A-TiK asked:


i have a lot of student loan debt and want to consolidate. however, i’m sure that because it is a private loan they’re going to run my credit. do you know what is the lowest score i can have to consolidate?
I don’t need debt management- my bad credit is the result of the ratio between my income and huge student loans. This totally messes with your credit. I’m working with a law firm to get this under control. I just need to consolidate my loans and while I can wait until my credit improves, I want to start saving money now.

missart asked:


I need to consolidate my private student loans quickly. And possibly my federal loans as well. Need help finding an appropriate company.

chrissy asked:


it seems like there aren’t any lenders that do federal student loan consolidation programs. Are there any out there? not private loans.so far it seems like the dept of ed has ended other programs. please help
thanks Ruth. Can you ask your relative if it was a federal loan?
New question, is it possible to debt consolidate federal student loans?? so there’s debt and then student loan consolidation.

CyberWoolf asked:


I have 2 private student loans totaling around 23k with interest around 16%. They are currently with Sallie Mae (ugh) and they don’t offer consolidation anymore.

Are there any other places I can go for private student loan consolidation? I have a credit score of 570 (I know it sucks).

I’ve done searches forever and seem to find places that are scammers or for good credit.

TeachTeach22 asked:


I am looking to consolidate my Federal Student Loans in an effort to reduce my monthly payment (I am in the process of being approved for my first mortgage). Until recently, this wasn’t something I was considering, but now having a lower monthly payment would be great. Any advice on a good company to go through for consolidation? How long does the process typically take? Anything else I should be aware of?

I currently have about $41,000.00 in Federal Student loans (but also have private student loans) so…the lower the payments, the better off we will be. Thanks for your help!

baseball girl asked:


I frequently receive unsolicited mailings to consolidate my student loans. How can I opt-out?