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05-28-2008, 04:14 PM | #1 |
Spoilin' Tilly & Jack Donating Member Join Date: Feb 2006 Location: Indiana
Posts: 2,227
| Student loan consolidation Does anyone know of a good company to go through? Hubby and I are finding out more and more companies no longer consolidate your student loans, oh joy!!! Sallie Mae & Chase both no longer do it. We have no clue where to go or what to do. Citi bank has a really high interest rate. We are in the process of buying a house and this is the only set back. It's aggravating! We owe lots and lots to hubby's school. A good education must not be worth squat anymore. This is a lesson to us....save save save for your children's college education!!!!!!
__________________ Momma Tilly Money will buy you a pretty good dog, but it won't buy the wag of his tail. |
Welcome Guest! | |
05-28-2008, 04:39 PM | #2 |
Always In My Heart Donating Member Join Date: Aug 2005 Location: The Lone Star State
Posts: 3,393
| what about bank of america? OR Citifinancial? Or how about applying for a low low or interest free credit card? |
05-28-2008, 04:39 PM | #3 |
Always In My Heart Donating Member Join Date: Aug 2005 Location: The Lone Star State
Posts: 3,393
| I am still in school and its so scary to hear this! |
05-28-2008, 04:45 PM | #4 |
Spoilin' Tilly & Jack Donating Member Join Date: Feb 2006 Location: Indiana
Posts: 2,227
| Yes it is so scary! How do they expect society to improve when they keep doing crap like this? Well that's a whole new discussion I'd rather not get into. LOL Citi had the really high rates. I tried to google consolidation companies but I'm afraid to just give our information to just anyone. Ugh! Our loan officer informed us more and more are doing away with loan consolidation. Without consolidating I really don't know how we will make it.
__________________ Momma Tilly Money will buy you a pretty good dog, but it won't buy the wag of his tail. |
05-28-2008, 04:52 PM | #5 |
Luv my Angel, too! Donating Member Join Date: Apr 2006 Location: USA
Posts: 9,333
| When did Sally Mae stop consolidating loans? My daughter has a few student loans through them and gets consolidation notices all the time.
__________________ Sissy & Angel |
05-28-2008, 04:54 PM | #6 |
Spoilin' Tilly & Jack Donating Member Join Date: Feb 2006 Location: Indiana
Posts: 2,227
| Just recently. The company we are using for our home loan is owned by Sallie Mae and he told us they just had a meeting and they are no longer doing student loan consolidation.
__________________ Momma Tilly Money will buy you a pretty good dog, but it won't buy the wag of his tail. |
05-28-2008, 05:11 PM | #7 |
Donating YT 1000 Club Member Join Date: Jul 2005 Location: Chicago Suburbs
Posts: 3,306
| What about a credit union? My student loans were all through the Department of Education and I just called them and they set it up, but I had to do it within a certain time frame and you only get one chance. I went to a state school though - it's different for private school or private loans. I know you don't want to hear it, but my best advice is rent for a year and work on paying off the loans and you will be in a much better position. Trust me... I'm just a few years ahead of you. Been there... done that... it's not worth struggling just to pay a house payment.
__________________ |
05-28-2008, 05:27 PM | #8 | |
Spoilin' Tilly & Jack Donating Member Join Date: Feb 2006 Location: Indiana
Posts: 2,227
| Quote:
__________________ Momma Tilly Money will buy you a pretty good dog, but it won't buy the wag of his tail. | |
05-28-2008, 05:28 PM | #9 |
No Longer a Member Join Date: Sep 2007 Location: Riverview, Florida
Posts: 4,953
| Once upon a time I was a financial aid counselor for a college! There is a huge diff between FEDERAL loans and Private loans. Federals loans will most likely be dismissed if your husband should die because they are federally insured. If you get a private loan, you will most likely have to pay for the debt if he dies. I am not sure with private loans, but you may be able to get a federal loan at a locked-in low interest rate. YOU really need to do your investigation before your husband signs anything. my loans were sold several times before i paid them off. If you have any specific questions i will try to help you |
05-28-2008, 05:33 PM | #10 |
Spoilin' Tilly & Jack Donating Member Join Date: Feb 2006 Location: Indiana
Posts: 2,227
| We have slightly more private loans than in federal. We are pretty comfortable with the federal payment it's the private. If we can cut down on the private loan payment it would help so much. I never knew this was going to be such a headache! LOL
__________________ Momma Tilly Money will buy you a pretty good dog, but it won't buy the wag of his tail. |
05-28-2008, 05:38 PM | #11 | |
Donating YT 1000 Club Member Join Date: Jul 2005 Location: Chicago Suburbs
Posts: 3,306
| Quote:
If it's that cheap to buy a house then why would rents be so high? Generally when real estate is less expensive rent should be too. You could probably rent someone's house who can't sell and is desperate for just enough to cover their mortgage. Like our neighbors couldn't sell and they are renting out their townhouse that's identical to ours...
__________________ Last edited by Erin; 05-28-2008 at 05:40 PM. | |
05-28-2008, 05:44 PM | #12 | |
Spoilin' Tilly & Jack Donating Member Join Date: Feb 2006 Location: Indiana
Posts: 2,227
| Quote:
__________________ Momma Tilly Money will buy you a pretty good dog, but it won't buy the wag of his tail. | |
05-28-2008, 05:54 PM | #13 |
Donating YT 3000 Club Member Join Date: Jul 2007 Location: Illinois
Posts: 4,139
| We're splitting college with my oldest daughter (I thank God for a basketball scholarship for the 2nd one!). Sallie Mae stopped consolidating IN THE MIDDLE of my last consolidation loan of our half. I don't know what Kayce will do when she graduates next year!! I'm hoping that when the economy improves, companies will resume consolidation. For us, we're considering a home equity line of credit for our portion. That doesn't help you at this point tho! And it won't help my daughter next year. They're going to have a lot of kids in trouble in the next several years!!
__________________ Diane, and my boys ..... Coby and Reggie !! Striving to be a YTPP - a YT Positive Poster! In Memory of My Beautiful Mother 7/22/28-8/27/08 |
05-28-2008, 05:56 PM | #14 | |
Spoilin' Tilly & Jack Donating Member Join Date: Feb 2006 Location: Indiana
Posts: 2,227
| Quote:
__________________ Momma Tilly Money will buy you a pretty good dog, but it won't buy the wag of his tail. | |
05-28-2008, 08:22 PM | #15 | |
Donating YT 3000 Club Member Join Date: Jul 2007 Location: Illinois
Posts: 4,139
| Quote:
On a positive note, I love your (new?) tagline about the wag of a dog's tail!!
__________________ Diane, and my boys ..... Coby and Reggie !! Striving to be a YTPP - a YT Positive Poster! In Memory of My Beautiful Mother 7/22/28-8/27/08 | |
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