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Best Student Loan Consolidation
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Rita Said:Best student loan consolidation. Mine after 5 months just turned me down!?
We Answered:Be thankful that your consolidation with this company didn't go through. There are many reputable lenders out there who offer Federal Consolidation Loans -- but I do not count Educational Direct among them. They employ a lot of trickery in their direct marketing; I always hope my students have nothing to do with them...
For your own edification, have you asked why they turned you down? Remember: Federal consolidation loans require no credit check -- so no consolidation lender should have turned you down for credit reasons. There are plenty of companies that trick their borrowers into obtaining private consolidation loans. You *don't* want this -- the rates are not set by the federal government and, being private, the loans typically offer none of the protection & benefits of the federal program.
First, go to http://www.nslds.ed.gov and make sure that your loans weren't, in fact, consolidated. Use this website to determine who holds your loans at this moment (things change -- it may not be the same lender that held them 5 months ago). Once you have this information, pick a new lender with whom to consolidate. Sallie Mae and Citibank are the #1 and #2 student loan lenders, respectively. Either one would be a fine choice. They're well-established companies that offer competitive benefits and are technologically advanced.
If you're interested in doing some more research, check out this list of Top 50 Lenders: http://finaid.org/loans/biglenders.phtml (note that Educational Direct is no where on this list).
William Said:Anyone know of a best place for private student loan consolidation?
We Answered:Ditto what Bob K said. It's what I plan to do with my private loans - but here's more information for you:
The Sallie Mae private loan consolidation program started at the end of April. They do a credit check, and depending on your FICO score you can get a rate that starts at prime and then moves up from there if your score is less than perfect. *But*, you can get a cosigner with excellent credit and get a rate closer to prime, and after two years of repayment you can remove the cosigner completely from the loan. The best part is that repayment can be for up to a 30 year term (maybe not for smaller balances, but ask anyway).
The White Collar Ruckus
Gina Said:whats the best way to go about student loan consolidation?
We Answered:Go with a reputable company which has had good reviews. Ask your friends or other grads/students on who they are working with and ask for feedback.
8 loans!? wow... Its probably time for you to consolidate them into one big payment instead of paying 8 loans monthly isn't it?
Read more on the link below... also don't forget to go to your student union or student services and ask for some advice.
Sherry Said:what corp. has the best student federal loan consolidation plan?
We Answered:Here you:
There you go for information.
If you can't find what you need over there just go to the home page (http://loancuts.com) and use the search.
Here I searched some for you:
This site is the best site for info on loans.
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For Study purpose, people get loans from companies so they learn and grow. I think you need to save money from your pocket so you don't need to get loans.