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Additional Details
Write the reason for ur answer and abt me i live in INDIA and frequently fly abroad..!!!!... |
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Jessica G | Couple of questions....? |
I don't know anything about loans. All I know is my boyfriend has a ton of debt. All his loans, credit card bills and his truck plus my student loan comes to about 27,000 dollars... i'm only 20, he's 23... I know, it's bad. We REALLY want a loan to consolidate all of these things, but... can we get it? I have no credit whatsoever and he has very, very poor credit. But we both have pretty nice cars we could use as collateral, and we've been at each of our jobs for 2 years. My parents have excellent credit and said they would cosign... now, since we aren't married can we consilidate both our bills with one loan? And will my parents extremelly good credit be enough to get it? Oh, and will they let us pay a small payment for the next 15 years? Or are we pretty much screwed...
Additional Details
oh and if my parents co-signed, would it help our credit score? or not affect it at all... |
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ken p
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With both your credit no. With a co-x, yes. Heres the deal, your parents would have to be the borrowers and only one of you can be the co-borrower. In this case I would put you on the line because you are fresh with no dings and it will be easier to build you up from scratch then pull him up from the hole.. do you understand? If you parents are willing to co-sign for you, you should really consider opening a corporation that will generate unsecured lines of corporate credit. If your parent is over a 720+ FICO with clean record he can act as CFO in charge of your business account and can generate up $300,000 in credit lines. Use these lines to pay off or just make payments for a while and your credit scores will go through the roof. I do it all the time for customers here in So. California and it can be done anywhere in the USA. Go to www.randrfinance.com and check it out. We help people everyday. I'm Ken. Good luck. |
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simplicity
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27 000 isnt that much calm down, think about when people buy houses they owe like 300 000 and they arent freakin out. You are young you have your whole life to work and pay it off. be happy that you have wicked new vehicles right |
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brady ewart
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If a person has accumulated a large amount of credit card debt due to multiple credit cards, the need for a proper counseling for credit card debt consolidation can't be understated. Credit card debt consolidation counseling helps a person get vital insights into the facts that can help him get control over the credit card debt.
Credit card debt consolidation counselors are experts with a good knowledge of debt management, budgeting and behavioral patterns of credit card holders. These services are vital for those struggling to manage their credit card debts. Also called credit counseling or debt counseling the credit card debt consolidation counseling brings immediate relief to a credit card holder.
A person seeking credit counseling can get it from two types of organizations. The professional or commercial organizations, and the non-profit organizations. As depicted by its name or categorization, the commercial organizations charge money for their credit counseling sessions and consolidation help on the other hand the non-profit organizations offer free of charge services. Just because the non-profit organizations are free, it doesn't undermine their quality of service. The persons associated with such organizations are thorough experts and have lived the trauma of being under credit card debt themselves and hence bring their vital experience to the credit card holder.
When a person approaches a credit counseling agency, the first thing it will do is to take stock of the situation and get various facts about the credit card debt. The credit counseling agency collects data about the income, expenditure and spending habits. It will guide the credit card holder about budgeting benefits and try to inculcate good financial habits. Read more from: http://www.credit-card-gallery.com/article/353,Credit_card_debt_consolidation_and_credit_counseling_great_tools_to_get_rid_of_credit_card_debt |
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littleone60014
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Ok here's a little advice........ do not under any circumstance combine your debt with his until you are married!!!!!!!! And maybe not even than. Because you have a student loan if you pay it on time you will have good credit and be able to do a lot of things in this world. If you combine your debt with his you will be responsible for his debt too. Even if God forbid you brake up..... and if he defaults on the bill can you afford the payment for the loan?? If you are not sure, DON'T DO IT. I had to learn this the hard way and now I have gone through a bankruptcy and now am going through a DIVORCE. And another thing if you or he default on this loan your parents will be responsible for it. My dad ended up filing for bankruptcy with me because he cosigned for me and him ( the *** that I married and now am divorcing due to him moving in with his girlfriend). Please learn from my mistakes, than you won't have to learn from your own mistakes. The school of hard knocks is a very tough school to attend.
Chris |
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PEGGY S
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Your boyfriend can go to Consumer Credit Counseling Services. They will be able to help him reduce his payments. You can get a very inexpensive loan rate for your student loans. I am surprised that you have not received offers yet. Contact Direct Loans and they will help you with arrangements for repaying your student loans. |
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gogo7
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Putting your name on all your boyfriend's debts would not be a wise choice. His debts become your debts.
That's really not a lot debt considering that total includes a truck loan and a student loan. Your student loan probably has the lowest interest you can get and the lowest payments - consoliding that would not be very wise. If you want a nice vehicle and need a loan to buy, you're going to have payments.
Then I'm also thinking that stretching all that stuff out for 15 years is highly unlikely. I'm assuming that you want to free up money to buy other things. My recommondation would be pay for the things you have first (current debt) before setting your eyes on other things. The 27000 debt could double if you borrow even more - then you'll really be overwhelmed. |
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angela j
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your parents will be very foolish to cosign anything for you and your boyfriend,, so would you, you are too young to be worried about your boyfriends debts, worry about your own, you wont be with him in a few years anyway |
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Adam L
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no. |
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