Are there any debt consolidation loan company's?
597937
Yes, plenty.  Try watching TV at 3 AM and you're bound to find an ad for one.
685061
Here are some websites that discuss how to get out of debt. Watch out for the "non-profit" credit counseling agencies that are frequently scams. Good luck!
518337
First, cancel your debt consolidation contract (if you can).  Many of these companies will simply let your accounts lapse just so they can try to settle the debt.  \n\nSecond, get out of debt yourself.  Otherwise, you've never changed your behavior which got you in debt in the first place.\n\nFinally, go buy a book called 'Total Money Makeover'.  This book will teach you how to eliminate your debt.  You can also consider a class (taught by the same person that wrote the book) called 'Financial Peace University' (see www.daveramsey.com).  My wife and I took this class in 2004 and are now debt free (except our house).  The average family taking this 13 course pays off $5,800 and savings $1,200.  \n\nContact me if you want specific help.  My wife and I now teach this class and have seen many people eliminate a ton of debt.  \n\nScott.....
700924
Consolidation is a good idea.....as long as you take this warning.\n\nOver the past few years, many people have gone to consolidation and home equity loans to try and cure their credit problems.  They take all their bills and combine them into one bill, which generally is going to be mean a lower monthly payment, but will take longer to pay off.  OK, so far so good.\n\nThe problem is that these people turn around and charge thing on their "now empty" credit cards.  The result is they are now twice the amount in debt.  They end up filing for bankruptcy.\n\nOver the past two years the vast majority of people who filed BK did it for that reason.  \n\nSo as long as you understand this trap, you will do ok.  Consolidate your loan, but STOP further credit spending.  Get rid of the credit cards and try to use all of your disposable income to get this new loan paid off.  \n\nOtherwise, start looking for a bankruptcy lawyer.
1157375
That's too general of a question.  If you've been responsibly paying your debts and have responsibly consolidated to reduce the interest you pay, it's different from the kind of consolidation done in response to credit problems.\n\nWebsites aren't going to be able to answer that question.
145867
consolidate your loans
757166
That probably varies from person to person. My best guess would be that they consolidate when they finally realize they are paying exorbitant interest rates on one or more of their credit cards and that a consolidation loan would lower their overall monthly debt at a lower rate.\n\nChow!!
159997
You would want to get in with a company that is non profit as you stated in your question.  Other companies charge you a fee for doing this for you, as much as 50.00 a month.  Consolidated Credit Counselors is a company I used before the only problem I had with them is the agreement they have with the issuing banks it to make payments that is 5% of what you owe.  That was too high for me so I had no other choice but to do a bankruptcy.  In time your credit rating will improve.  But by taking action and just not walking away will definately improve your credit rating.
332888
There are hundreds but they all charge outrageous interest rates and up front fees which just perpetuate the debt cycle.\n\nBetter to go and look up a debt councilor - usually a free service in your local area.
321559
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
363868
Yes \n\ntry citi home equity they wil provide you the best deal \non consolidating your loans
288860
Most lenders do not offer private loan consolidation, but you will find some out there who do. (Note: Private loans cannot be consolidated through the FFELP or Direct Loan programs.)\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.\n \nNot to push a certain company, BUT, of the companies listed here, you might look first at 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 \nA few words of advice: You will rarely -- if ever -- obtain both a lower monthly payment and a lower interest rate.  Generally, the longer your repayment term, the more you pay in the long run and the more "high risk" the loan is for a lender (hence, the higher rate). However, this is not unique to student loans (for example, auto loan rates work in a similar fashion).  As you do your research, pay attention to the terms of the loan and the interest rate they are offering you.  In consolidating your private loans, you should expect to see a slight increase in your interest rate; 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.
351360
Below is a quote from a company called 1st Locate. The link to their website and their ph number is posted also. If they cant help you, chances are they will be able to tell you who can. I have worked with them in the past and they are worth the small fee. Good luck! \n\n"1st Locate  are one of the largest people locator's or trace collect debt recovery agencies in the U.K. and Europe.   UK TEL: 0113-297 7500"
984677
The missing pieces of this puzzle to quote solutions are credit score and value of the home. \n\nThere are many loan programs designed for debt consolidation. maybe a little guidance from the credit score side would be helpful...if we get your score as high as it could be it helps with rate / fees etc.\n\nI train loan officers and write a blog that can help you...check it out.
450128
There are a lot of companies out there that do "consolidation" loans that I believe you are thinking about.\n\nThis type of loan often gives you enough to pay off all your smaller debts and can give you some extra money on top.\n\nNormally though they require collateral (IE a house) but a lot of the companies do take people with less than perfect credit history.\n\nStick on your TV and you'll soon find an advert for a company of this type.
1159142
never heard of them but I recommend that you stay away from those jokers.... the best solution to all this debt settling is to make half your monthly payment twice a month... this cuts down on the exorbitant rates you get charged on your debt you have already accrued...
757267
yes. they are cuthroat with student loans. student loans never go away. the goverment can do this because they own the loan. a normal company would be past the statute of limitations. call the loan company and ask for a deferment or to set up payment plans. they are also the easiest of creditors to deal with in my experience.