bills: check advance loans (3)\n       unsecure loan (1)\n       secured loan  (1)\n\ni would prefer to find a debt consolidator that is non-profit.
126484
Consumer credit counselors are not non profit. The action will be looked at on future credit reports by lenders as a chapter 13 bankruptcy. You are trying to reorganize your debt. Try debt snowball. take the smallest balance bill and pay as much as you can until it is gone. then take that payment and add to your next smallest and so on. Other than that go and file the chapter 13 and you will be given an amount to pay for the next 5 years or so then you will have the same thing accomplished
415082
You need to go to http://www.loanconsolidation.ed.gov/\nYou can consolidate the loans you defaulted on, and after you do that you will be eligible for aid again.  You can even take out new student loans.  The process takes several weeks, so you need to get started asap.  I promise you this is the truth, I had to help a friend do the same thing.  Good luck!
335
Call 411 and ask for services like United Way. They could help you. Also some people ask for help in Ebay ads. Look in the Yellow Pages for community agencies. Call the library and tell them about your situation they can give you specific ph numbers as well.
639551
You need a lawyer to look over the loan papers. \nFinancial counselling helps you to keep your bills paid.
567611
By law, approved consolidators cannot charge a fee.\n\nHere is a list on them which will do bad credit loans: http://lendersrated.com/studentloans.htm...\n\nHope it helps you...\nkarateross
44597
I HIGHLY recommend the sites listed below for help and advice. Take it one day at a time. Start with a budget.Eliminate anything that is not a neccessity. Pay what you can. Start with your neccessities first. home, auto, health, etc. With anything left over start paying the minimum on unsecured debt. If you have anything left over pay more than the minimum on the highest interest debt. When that is complete then roll those payments into the next highest etc. Good Luck!
337523
Call the lender (or, possibly the collections agency if your situation has gotten to that point).  Many companies are willing to work with you because defaulting on a loan is bad for their business, too.  However, you have to show them that you are a responsible borrower:\n\n1.  Explain to them what happened (tell them just what you told us here)\n2.  Tell them that you will take responsibility from now on (the loans will always be in your name, so even if your mother still plans to pay them off, you should still keep a watchful eye on your account balance to make sure that she is never late) \n3. Ask what repayment options you have at this stage.  Some lenders will put you into a forbearance in order to alleviate your payment problems.  Other lenders will recommend that you consolidate your loans in order to lower your monthly payment.  Others will, as you suggest, devise alternative payment options called an "income contingent" or an "income sensitive" payment plans.  Ask them if they can do this and, if so, whether they can make your payments close to $50.  Generally, once you make 6 consecutive payments on time, you will be out of default, which will help your take-home wages and your credit report in the long run.\n\nRemember, too, that collections agencies deal with a lot of lazy people -- show them that you are different.  If the person you speak to is having an "off" day or doesn't seem willing to help you, try again.  Consider asking your former Financial Aid Office to contact them on your behalf (I have done this for students) -- sometimes they are more pleasant when dealing with someone "in the business."\n\nFinally, one of your rights as a Stafford or Perkins Loan borrower is that you be allowed to speak to an ombudsman when things get rough.  You can find one and learn about what they can do at http://www.ombudsman.ed.gov/  (Basically, an ombudsman is an individual who resolves disputes through an independent viewpoint; they do a lot of impartial fact-finding to make sure that you have been treated fairly.)
111434
Why not start by writing ur local Congress representative? Also, many charities have crises & family grants & loans. Try getting info. abt ur local ones from ur local social worker/ advice centre.
24086
Seek out consumer credit counseling through a non-profit debt counseling service.  Here is an example.\n\nhttp://www.cccsintl.org/\n\nBe sure to go to a non-profit.  I did years ago and they helped me.  I only had to pay a few dollars a month for postage, because they mailed my payments.  They will be able to negotiate settlement / payment terms with your credit card company. credit and your life back in control. \n\nGetting the cards under control is only half the battle. You have to get control over your budget.\nOnce you have your expense and debt under control you'll craft a plan to service your debt. One more thing I did, and it was no fun, was to get a second job.  Think of it as a short term way to pay your debt faster.\n\nIn the end you'll have good credit and you'll be proud that you did it. \n\nGood luck!
564834
Have a list of your assets and debt, and bring that with you to speak to the local banks.  Keep trying at banks or credit unions until you find someone you can borrow from.\nBanks are mostly interested to know you can pay off the money you borrow.  Have documentation of bills you've paid off.
612503
You should check out Brian Sacks' Website at:\nhttp://www.loanofficersuccess.com
48970
Loan consolidation is the KEY! But to do this I'd first research some of these credit-repair companies with a nationally certified rating service. Pick a well rated company and get busy. Also if you own any security instruments you can sell them for quick cash.
483004
You ask for a deference or forbearance. Most student loans are deferred till 6 months after graduation anyway, and if you haven't found a job by then, you just call up the owner of your loan and request an extension. Forbearance is sort of the same, but leans more toward the 'hardship' part of not being able to pay.\n\nSomething you should know though (and it's quite important) is that:\n\nEven if you defer or forebear, interest WILL continue to accrue (unless you have a Federal subsidized loan)... actually, I believe that even if you do have a Federal Subsidized Loan, interest continues to accrue AFTER the 1st deferment term expires.\n\nYou should also maybe look into a 'Sliding Scale Payment Plan", which allows you to make your payments according to what you're making/worth. For instance, if you have a part time job, your first year of payments will be REALLY low, and they increase with time.\n\nThe BEST way to go about this though, is to contact your lender, and find out what your options are. They're usually very helpful with such things.\n\nPS: If you have federal loans, you might want to look into consolidation AS WELL as deferment... Good luck.
40450
Beware - once you get a credit consolidator involved, most lenders treat it the same as if you went bankrupt. If you are so far gone that you require the services of a consolidator consider filing for bankruptcy, here's why.\n\nYou get through bankruptcy and can begin establishing credit again once the bankruptcy is discharged. Your report is clear 7 years after the discharge.\n\nYou go to a consolidator and it takes 4 years to get clean. Then you need to wait an additional 7 years for your report to get clean.\n\nYou can get clean in about 8 years by filing or wait 12 years and pay a consolidator a boat load in fees for the first four years.\n\nIt's not a pleasant decision to have to make.
516727
Try this.\n\nWhen you call these companies, tell them that you want IN WRITING a guarantee that they will raise your credit score and remove bad items from your credit report once the bills are paid.  \n\nAnd that they won't take any money unless these things are accomplished.\n\nYou won't find anyone who will agree to this.  Why?  Because they can't possibly promise such a thing.\n\nThere are only two ways to get a negative item removed from your credit history.\n\n1) The creditor must delete it\n2) The creditor fails to respond to an investigation request from the credit bureau.\n\nNote that payment of a bill does NOT remove the item.  It only changes the status from being late or in collections, to paid.  But it still reflects late payments or collections.  It's still a negative item.\n\nThese "credit repair" companies will TRY to negotiate a payment arrangement that will TRY to remove the negative items.  But there are no guarantees.  \n\nBut it is a guarantee that these companies will demand payment for their services, whether they succeed or not.\n\nBefore you go this route, do your research.  Many of the things that these companies do, you can easily do yourself.  \n\nAlso note that many of these "credit consoler" or "credit repair" companies are a front for companies offering consolidation loans or other such services.  Be aware of what's going on!
537134
You may want to consider a combination of refinance to payoff the debts and a room mate to cushion the load.\n\nHere is some additional info. Hope this helps.
136016
you should get a consolidation loan but without a job that may be rather difficult.  you could try finance companies but the interest is very high