Im in debt up to my ears in private student loans, how can i get rid of this stress, it is over $100,000......
338863
Well, the debt isn't going away, but there are things you can do to lower your monthy payment (which I assume is your immediate concern) -- consider private loan consolidation.\n\nwww.finaid.org (a great resource) offers a list of private loan consolidators, as well as some sound advice. Here is their list: http://www.finaid.org/loans/privateconsolidation.phtml.  {Note: Sallie Mae recently came out with w private loan consolidation product}\n\nNot to push a certain company, BUT, of the companies listed above, you might look first at Sallie Mae, Key Bank, Wells Fargo, and NelNet, as they are established education loan lenders. Some lenders on www.finaid.org's list may no longer offer private consolidation; others may require at least some of your loans to have been borrowed through them to begin with. Key Bank's program does not require that you have loans with them in order to consolidate with them now.\n\nNote: By consolidating your private loans, you should expect to see a slight increase in your interest rate (and obviously, your overall accrued interest); it is up to you to decide whether this increase is outweighed by the benefit of a lower monthly payment (if it helps you pay your other bills and preserves a good credit rating, the answer may be a resounding "yes"). Take advantage of any benefits that the company has to offer: consider having your payments automatically deducted from your checking/savings account each month -- it can often save you .25% off your interest rate.
375167
set up a meeting with the advisors in the financial aid office of your school. you will have to declare emancipation from your parents. that means they will not be able to declare you for income tax purposes in the future but you will qualify for far more aid than you would under their income. \ni'm pretty sure that load in default will continue to haunt you anyway. you need to notify that loan company that you are still attending classes so they can defer the loan while you are still studying. don't stop until you get someone to listen to your story.
962301
personal you will have a higher apr because you dont have colloidal.  look at student loan options it will be better
113027
Hmm, most people I know that go to college have a job help paying for it. If you all help together its a possibility. Or seek a personal loan at the bank
584484
FYI: I solved my school tuition cost problem by working for an employer who offers 100% tuition reimbursement.  Also, did you know that some student loans are forgiveable if you work in an improvished area for a designated amount of time.
490624
The simplest way is to get your repayment term extended.  To accomplish this you can do one of the following...\n\n* Consolidate your loan(s).  Consolidating will allow you to (1) extend your repayment term beyond the standard 10-year term associated with most Federal loans sometimes up to 30 years, depending on how much you owe and (2) "fix" your interest rate at today's rates [technically, the weighted average of all your loans' current rates, rounded to the nearest 1/8th of a percent].  Consolidation is a good idea for you if you like the predictability of a single payment and a fixed interest rate. With Stafford rates scheduled to rise to 6.8% on July 1st, by locking in today's rates, you will probably lower the amount of interest that will accrue over the life of your loan (and, as a result, shave a little bit off of your monthly interest payment, too); or\n\n* Call your lender and simply request "extended repayment" for each of your loan. This will leave your loans unconsolidated but will extend your repayment term beyond the standard 10 year term.  You can always pay it off sooner or make a larger monthly payment at any point.  Extended repayment is a good idea for you if you don't want to consolidate or want to retain the repayment incentives (or possible interest subsidies) that might be lost by consolidating. (Read about the "pros and cons" of consolidating here: http://www.finaid.org/loans/consolidation.phtml )\n\nGenerally, extending your repayment term will cost you more in the long run because it costs you *less* monthly.  As such, you might want to seek out some more "temporary" ways to reduce your payment.  You could...\n\n* Request the ability to make "interest only" payments for a while\n* Apply for a forbearance or a deferment until you have saved up enough to make your usual monthly payments a bit more manageable again.\n* Request "income sensitive" or "income contingent" repayment.  With this plan, your lender will determine your monthly payments based on your ability to pay. \n* Request "graduated" repayment where your payments will start out small but increase over time.\n\nRead about repayment plans here: http://www.finaid.org/loans/repayment.phtml
441735
There is this "debt diet" program on oprah.com that offers a guideline for people who are in debt.  If you are really serious about getting rid of your debt, I suggest giving that a try.  Best of luck.
725796
fix the rate and you will save a ton of money. my school doesnt give me the chance to do that. my tuition has gone up almost 30 percent since ive been here so a fix rate would have helped me a ton.
295357
Do you have a job? You never said if you even have one. If not, get one. If you have a job, get a second job. A lot of people have to do that now days. Also what are you spending your money on? Take a look at how you are spending your money and if you are buying over the amount you make, cut out buying things you do not absolutely have to have. Do not go to one of those payday loan places. They charge really high interests and you usually end up worse off. Some places charge like 100% to 300%. If you borrowed $100, and they charged only the 100% you would owe them $200 when you try to pay it off. Those are rip off places. They are on the news reports all the time about how they charge you extreme amounts. They are like loan sharks.
1126682
hope you would solve your problem  soon,,you are not alone..\n\nHave to work double time and plan your budget...    pay all the small bills first, limit your habit , check your budget before spending.. the more debt you have the  more you pay for interests... you can make it..   slowly but surely... .goodluck !\n\nif you can't, ask someone to help you that is good in budgeting like close friends... or families...
66323
Call Your student loan company. make payment arrangements and they should lift the lean on your taxes immediately.after recieving the first payment of the arrangements you make.
186586
First, stop spending more than you make.  In fact, you have to find a way to spend less than you make.\n\nSecond, take your smallest debt (credit card, car payment, etc.) and double the payments on it.\n\nThird, when that smallest debt is paid, take the doubled amount you have been paying on the smallest debt and apply that in addition to whatever minimum payment you have been making.  Work your way up until you have paid everything off.\n\nFourth, save enough money to throw a big party for your friends after you have paid off the last of your debt.\n\nFifth, continue to save money, even if it's only a little bit per paycheck, so you have something for emergencies when they come up so you don't have to go into debt again.\n\nOnce you do all this, you will have learned to live within your means and you won't have to worry about big debts that cause you to be depressed.  Short of this, there are no quick, easy ways to get out of debt.
2481
First let me say I've been there.  I ran up huge credit card bills and couldn't pay my rent.  My newlywed and I made a choice to move into my parents house and my parents took out a home equity loan that I made the payments for.  In hindsight, I should never have done either.  Moving into their home was too much stress for my spouse and almost cost me my marriage.  Asking for a loan from my folks turned our relatinship from parent / child to king / slave.  They were always questioning why we bought items that they thought were unnecessary, etc.\nThe best thing for you is to make a budget.  I know, it sounds painful, but this is the way to get your finances under control and you will be able to maintain your pride and integrity.  Living within your means will open your eyes and help you to find money that you can use to pay down your debts.  If you can get a job at night and / or on weekends, do it.  Deliver pizzas, bartend, whatever you can do to make some extra cash.\n\nKeep your chin up.  You can do it by yourself.
940615
They are ripping you off. There are tons of companies that can help the only thing is when people are stressed by debt they end up making wrong decisions.\nso you want to read up on it all so that you'll be able to find a good deal and not fall pray of any con artist.\nhere you'll find tons more info than I could possibly\nwrite myself. It'll take a bit but it's your money and well worth\ntaking your time over it\nhttp://credit-cards.ebookorama.com\nand here http://finance.ebookorama.com \nalso plenty more to read here\nhttp://credit.ebookorama.com\nhttp://credit-repair.ebookorama.com\ngood luck!
112888
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!
404978
Why would you want to? Not being judgemental, but I certainly hope that the expense you are wanting to cover is worth the astroniomical fees/interest they charge on these loans. I think these places should be shut down. They prey on the poorest people in America and drive them deeper into debt/poverty. If you can possibly put off paying the debt, do. Even if you get charged a late fee for the late payment, it's probably lower than what you'll pay to 1-3 cash advance places. If you are needing cash for something like a car repair, you'd be better off to swallow your pride and bum a ride for a while, take a bus, ride a bike, or walk. There's nothing wrong with admitting you don't have the money to pay an expense right away. When our country learns that, we'll all be better off.
913008
Buck up and finish the year. Discipline is good for you.\nBet you didn't want to hear that. Let me explain a bit for you. You've already gotten the loan for your semester or year, or paid for it, why waste good money just because you're bored.  Finish the time, then go find a job. Any old job will do, and without a degree any job is exactly what you have to take. After you've busted it at work for a few months college is going to look mighty fine and you're going to regret wasting that time and money, but, if you finish the semester it's not wasted you still have that and now you can go back and finish college like you wanted to in the first place. You're smart, don't be dumb.