complicatedtallblonde asked:


I am paying 300 on one student loan and 200 on another. To be honest, I’d really like to consolidate the two and be able to get a lower monthly payment. I’m 22 years old and I have just joined the navy. I leave in July for boot camp. I have talked to a few different lenders and most of them say they are no longer doing student loan consolidation. The one that I did talk to that is still participating in student loan consolidation is Wells Fargo and they wanted me to have a co-signer.

Being in the Navy I have great job security…
I think my credit score is decent…

But right now I’m not making much money, only about 800 dollars a month and I think that is why they are asking for a co-signer.

Do you think if I wait until after boot camp, when I’m making more, I could get a consolidation without a co-signer?

What are my options? Having a co-signer is NOT an option.. Thanks you.

Ryan Z asked:


My girlfriend has two private student loans with 2 different companies with different rates. She wants to consolidate for a lower monthly payment. When she applies for the loan consolidation at a few different companies, how does this affect her credit score? Does each application she completes lower her credit score and then the next company she applies with now sees that she is loan shopping? If this is a confusing question, let me know and I’ll try to clarify. Thanks.
Ok, that first answer doesn’t help and isn’t relevant to the question. Anyone else have any input?
And now spam!??! Can someone please just answer my question?

Anna H asked:


I am currently a student with several student loans out in my name. I have a good credit score but am only able to work part time due to school. I make enough money to cover monthly rent with my boyfriend. We want to get into a house but I fear my loans and low income will make it difficult if not impossible for us.

sweetie asked:


I need a college loan for school which is starting soon. I have a grant but it’s not enough. My problem is that I don’t want a co-signer, I’d rather do this on my own but my credit score is low. I don’t want a payday loan as I’ve heard they are a disaster and I don’t want a hassle. I just need a small amount of money to get me through. Please help!

Danie asked:


My credit score was in the low 400’s after my student loan went into default. I am still confused how the other loans with the same company were in defferment but these were left off. I was just told too bad. My question is now that I have consolidated the defaulted loan I have also gotten some credit repair and a lot of derrogatory things paid off and deleted. Does consolidating the student loan in itself improve your credit score?

sweetienat123 asked:


I have made some credit mistakes in the past, and have a mediocre credit score. Right now, I don’t get approved for new lines of credit. However, I am in need of a student loan to cover living expenses for the remainder of this semester at a private university.
Does anyone out there have any suggestions for how to go about getting an “emergency” student loan in the middle of the academic semester? I appreciate any helpful advice or suggestions, thanks.

bucketzofpaint asked:


My family is considering getting a new car, and was planning to buy one under my name to help raise my credit score. I was wondering if this would affect my chances of receiving government aid from FAFSA?

ainger452 asked:


I am having problems getting a graduate plus loan and would like to know if anyone knows what an acceptable score is. Thanks for your help. if possible with either access group or northstar.

Adam the Poet asked:


I am worried that my credit score will drop when i go to college because i have to take out a loan for college. How do i go to college on a loan but still manage my credit score.