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lisa7777 | Are consolidation loans worth it? |
ive got a few credit cards and a loan, at the time when i got them i had a fiull time job and found payments easy
i went back to college last year ti further my education and get better prospects. ive finished and qualified and im about to start a new job in October when the salon opens
Im finding it tough at the mo to keep up with payments as money is drying up is my answer to consolidate my debts for an easier payment
any advice
Additional Details
the loan i have is not a school loan unfortunatly |
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Real Georgian
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Online Debt Consolidation The Fast And Most Convenient Way
By: Talbert Williams
You should read and learn as much as you can then pick the best program that fits your budget. You can use this web site to learn more about credit and finance. |
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yahoohoo
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They can be good, but be careful. |
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TwoRedLove
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try transfering debt to a low % card or a 0 % intro rate card for transfer balances. but do not consolidate, bad for credit. |
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gum s
 |
YES>..
Ways to Consolidate Debt
http://www.debt-explained.com/category/Ways-to-Consolidate-Debt.html |
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my2cents
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I've asked that question a couple of times here now and have not gotten a good answer. I'll check back later............ |
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fttbhsx
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Congratulations on furthering your education and new job. You are on the right track for your life.
In general it is not a good idea to turn what is supposed to be short term debt (e.g. credit cards), into long term debt. Even if the rate / payment is lower right now. Just the thought -- in debt for a looooong time. |
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Evil Homer
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You cannot borrow yourself into properity. |
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circusdejojo
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I would only consolidate your school loans. Make sure you get a fixed rate or its not worth it. School loans are still at an all time low. I was at 8% in 1998 and then consolidated them at 3% when they went to 3%. They are around 6% now but still worth it.
I wouldnt consolidate credit cards if they charge the standard 4% to consolidate or any transfer fees. If you can keep them separate, your credit score would be better too. Dont consolidate credit cards. |
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moondancer629
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if you have decent credit and get credit card offers, open a new credit card that offers you a 0% interest on balance transfers. then use your credit line on this card to transfer your credit card debt all to one account (and the 0% interest will buy you a little bit of time too). definitely consolodate school loans, or else the rates on them will just keep going up up up up up. |
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grandma43
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if you can get a low interest rate i would go for it but the best advice i can give you is to cancel your credit cards if you do this that way you won't be tempted to use them and charge back up the cards believe me i am speaking from experience |
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rabatvilla
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NO!!!! Best to pay off the lowest amount first then add that amount to the next lowest each month. Keep doing this till you pay it all off. A consolidation loan put you in the situation of paying it off longer by lowering your payments but you will pay way more. Also it will encourage you to charge more. Best to suck it up and pay more attention to your fiances. |
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