August 17th 2011
I need money to pay for school..but i have bad credit and no cosigner…and the school i go to does not accept the stafford loan. Please help!!
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July 25th 2011
i have bad credit… really bad credit! im young and unemployed and have no co – x however, i am and have been a pretty good full time student for a little more that two years. this is also about how old the last derog. on my credit is. anyways, i have just finished the jc gig and just got excepted to a pretty expensive university.
besides the countless scholarships i have applied for, am i out luck in the student loan department?
if i can get a loan where do i look?
thanks!
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July 12th 2011
I have bad credit now since i was taking to the police station by force for Overdose. Now i have my life turned around and want to go to college. I apllied at many places and now because of the hospital i have BAD CREDIT. Im in debt 14,000.00. To Cure me only cost 600. but the other 13,300.00 was the 4 day stay.
I need some good student loans so i can go to college. and not federal loans that cover only 4,000.00 my total cost of school would be 67,000.00.
Please help me out.
Its an AS degree. i dont need communtiy college since they dont have the degree.
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June 21st 2011
I have pretty bad credit, so i don’t think i’d be able to take out a regular loan. My parents have already taken out loans in my name for school (with my permission), so I know my social security number has passed through the system before. Would my credit affect my ability to get another student loan? What about already having some out in my name? Thanks!
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June 2nd 2011
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April 6th 2011
I recently graduated from law school and am desperately trying to consolidate my student loans but I have bad credit. My parents are willing to co-sign but they also have bad credit.
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March 18th 2011
i have a lot of student loan debt and want to consolidate. however, i’m sure that because it is a private loan they’re going to run my credit. do you know what is the lowest score i can have to consolidate?
I don’t need debt management- my bad credit is the result of the ratio between my income and huge student loans. This totally messes with your credit. I’m working with a law firm to get this under control. I just need to consolidate my loans and while I can wait until my credit improves, I want to start saving money now.
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March 12th 2011
I’m afraid of hurting him. How do I go about this without him having to feel defensive? I want to marry him but I want to keep our finances separate. He will be the "breadwinner" because he pulls in a lot more money, but he also has bad credit and mine is really good for someone my age. How do you go about saying I want to marry you and keep things separate?
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February 27th 2011
I have bad credit, but need a student loan. Stafford loans only offer 0 because I am on scholarship, but I still need money for books and rent. I have a co-signer with good credit available. Are there any loans that will just look at their information instead of my own?
And where would I find these?
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January 8th 2011
I am a full time student at Madison Area Technical College in Wisconsin. I am currently enrolled in summer courses and have already received my allotment of government sanctioned grants and loans. I tried a loan with Astrive but they said I needed a co-signer. I want to know if anyone can tell me whether there is a way to get something like an Astrive loan, while having "bad credit", without a co-signer. Thanks.
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December 26th 2010
I have bad credit and alot of student loans. I have thought of bankruptcy but that dosn’t cover my student loans does anyone know of any banks or credit unions that would give a loan big enough to pay off all of my debt so that I could make just one payment a month. I have tried a credit consolidation place a long time ago and they stole the 700 dollors that I sent to them so I will not do that again and like I said before I won’t file for bankruptcy. I don’t eat out I don’t smoke and I don’t drink starbucks. So please don’t tell me to live cheap.
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November 26th 2010
I know that you can get federal student subsidized and nonsubsidized loan, but these non-credit based loans only goes up to ,000. The school I want to go to cost K. Are there any other types of loans out there available to grad students with bad credit? My FICO score now is 445.
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October 28th 2010
Stafford loans are based on income right? If I don’t get any government aid, what is the best loan for me if I have somewhat bad credit. I need something with a low interest rate. My tuition is going to be about 21,000 a year. I am also an undergrad student.
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October 18th 2010
Is there any way to get a student loan if you have bad credit in New-Brunswick?
I want to go to college but I would not be approved for a government loan since my ex bf screwed up my credit about 4 years ago. And I can’t pay it off since I do not have 5000$ to give just like that. Any ideas? Serious answers only please. Thx.
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October 7th 2010
I have pretty bad credit and I got accepted to a university and am having trouble getting student loans I already got some grants and filled out a fasfa and got money from that so I’m halfway there from that part (tuition) but need money for living expenses and can’t work cause my school hours will very day to day. Does any one know any good place to get a loan for 40 grand? Also I don’t have a co-signer with good credit eather
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September 26th 2010
I have student loans with sallie mae. I have around 76,000 with private and federal student loans. I have ran out of forberence. I had to use my forberences in the past because of no job or not enough money to make payments. Well…now my payments is over 1500 a month. I will be starting a new job next monday. I will be making around 2000 dollars a month. My wife and I and my mother have a house together and our morgage is 1775 and i also have a son. As you can see theres no way I can make that high of a payment. i now have very bad credit because of the student loans. My mother was also the co signer for the loans and she has bad credit. My wife dosnt have very good credit also. I guess you can say that I dont have another co signer to use. I am trying and stressing on how to pay my loans and getting my credit back. If anyone knows or can give any advice please please do.
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July 15th 2010
I current have faasa loan, however it is not enough to fund my education. I have tried several internet searches, same results, no real loan applications for bad credit with no up front fees.
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June 15th 2010
How can i find a loan for my education with bad credit? I made some mistakes so please dont judge me. I am just looking for some wise council. My parents will not cosing for my brothers or I to go to school so therefore I am left to figure out how to pay for it myself. I am wondering if there are any places that help out with education loans especially with bad credit? My score is in the low 500s and I want to go to school badly. I am just afraid I am not gonna get approved for a loan for school. Please help!?
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March 3rd 2010
Are you one of those people with a bad credit rating, i.e., a credit rating of less than 580?Have you already filed for bankruptcy or are almost bankrupt?
Are you in need of personal finance as your payday is some weeks away?If your responses to these questions are in the affirmative, you need not fret. Luckily, there are a number of bad credit and subprime lenders who extend loans to people who have a history of bankruptcy or a bad credit rating.
Bad credit and subprime lenders have a wide range of personal finance options designed specifically for people with past bankruptcies.The very first thing that you can do is check whether your local bank or credit union offers bad credit loans.Additionally, you can Google for the bad credit loans and personal finance options that are offered by certain online bad credit lending houses.
However, please keep in mind that lending money to people with a history of bankruptcies or a low credit rating is riskier, and hence, the interest rate for bad credit or subprime loans is usually about 4% more than the prime lending rate.
Here are a few points you need to keep in mind before you agree to a bad credit lender:
1.Do not sign up with the first bad credit or subprime lender that you come across; consider a few more options.
2.Do not sign up for the loan without reading the entire loan agreement carefully; in particular, read the repayment schedule and check whether it suits your pocket or not. The loan may sound like Godsend, but if you cannot afford to pay the installments regularly, think again before signing the agreement.
3.Also, get all the details regarding the “hidden charges” for the loan, such as transaction and application fees.
4. Finally, make sure that you clarify all the details of the loan with your loan agent and if there is something you do not understand, ask your loan agent to take some time out and explain it to you.
Usually, it is difficult for a person with a bad credit history or past bankruptcy to get a loan. However, a subprime or bad credit lender may offer you a loan at additional security and/or a higher interest rate.A sincere search for a personal finance option that suits your needs should lead you to the right bad credit lender and help you get through the rainy days.
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August 28th 2009
Debt consolidation loans will take all of your existing debts that you haven’t been proactive with and could not have the ability over time to repay. What will happen is it will be put into a single loan that you don’t have to worry about. Then the bank will processes this request and you can pay off all these debts with that. In return, you’ll just need to pay a single loan for everything.
As of today companies and banks are generous enought to offer loan debt consolidation. The best bet are the banks that offer the quickest relief.
Debit consolidation offers some really exceeding programs that consolidate debt and pay off your debt and also lower your monthly payments which are now possible with reduced interest rates. Don’t get bound by bank that will offer you a transfer of the whole unpaid amount for a new credit card. While this is a misconception this will never work out correctly. Your monthly payment will not reduce at all in such a transfer. Another fall out of such an offer could be that your credit rating could drop dangerously low and you would be unqualified from receiving a loan due to the black mark against your name. The best debt consolidation loan company is the one that can provide you a great priced plan for reducing your total debt. After this you can expect to see a great positive psychological effect from solving your debt problems. Surely, your morale will booster and you can expect to see yourself in a new light.
Do not opt for companies that provide a thin solution that decreases your monthly payment but raises your overall debit period.This will overtime increase your payments and can become difficult. Remember that the purpose of seeking the help from bank is to get rid of debits within a short time and at lower interest. One quick tip to remember is when going in for a debt conoslidation loan, the company that’s is providing the loan should be able to give you a free quote.
Overall, you should be happy with the outcome with result in a short time period and this is the basic purpose of a debt consolidation loan. Do not go for a bank that would charge you for calculating your debt consolidation scheme. Ideally, these calculations must be in person done by you taking into account various options available in the market, the different terms set out by each company and the total duration of the consolidation loan.
You will be pleasantly surprised that your efforts have borne fruits at last after intensely searching for the best suited company for addressing your debits. The monthly outgo as payment to the company that has provided debit consolidation will be much less and if properly selected the tenure of the debit consolidation loan too should work to your advantage. of doing your debit consolidation loan.
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August 28th 2009
Let us get it clear first. A fast debt consolidation loan is not the comparable as debt consolidation loans. Debt consolidation strictly deals with combining together all the outstanding loans that a person may have taken in the course of time.
This requires a lot of smooth-tongued talk with the creditors undertaken on the debtor’s behalf by the debt consolidation company. What the fast debt loan consolidation company does is carefully studies every debt that the borrower has and segreates them as credit card due, high interest loans and loans that still remain unpaid for quite some time.
The real aim of the debt consolidation company is to reduce your monthly payment and whatever the debtor makes towards the loans and how to improve his/her credit rating. With successful discussions with every creditor and looking at every single loan of the person that has been taken into carefuly condition or take all the debts into one single payment amount that can be paid off in one go and a fresh loan then is grant for this purpose and this is what is called a debt consolidation loan.
A really important aspect is figuring out what companies that a pro’s in debt consolidation alone and that’s all they do. With consolidation your debts in the best possible manner, by telling your creditors to reduce the amount of interest is sometimes a big premium as well. If your creditors do agree to then this service is not needed.
After consolidation of the debts which are mostly unsecured like credit card debts or multiple credit card debts. As it is obvious, unsecured loans attract higher interest rates and paying them off in one go is a sensible financial option. But when you pay all of those high interest loans you should not borrow fresh funds also in high interest which will negate the very role of carefully done fast debt consolidation loans.
The ideal situation is to offset this payment into a secured loan that was freshly received and comes with a very nice interest rate because it’s good. This can be a home equity loan for example which comes at a very attractive interest. A debt consolidation method that does not require any debt consolidation loan is also available. How this can be done simply is by a debt management program that involves a convergence of all the monthly payments into one chunk total.
This entire consolidation works might not work wonders if the borrower does not maintain financial discipline. True, he will be greatly relieved to see his monthly payment has fallen drastically and he has more money left on his hands now. But don’t forget that debt consolidation loans should really not but an additional stain on the borrower since financial conditions are way to fragile for him to use the system successfully.The solution looks quite standard to every one as it increases the chance of boosting their credit ratings.
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