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What is a good company to consolidate private student loans with? I would like to consolidate my private student loans but don't want to be subject to the pitfalls of those attractive offers like "Consolidate now and get a check fo $1000.00." I read the fine print of all the mail offers I receive but I don't trust any of them enough to persue them. I have about 40k to consolidate and will be returning to school in January to add a few more thousand. Has anyone already consolidated and had a good experience? I would be moving from Sallie Mae as my servicer. Please note, these are for private loans, not federal. Thanks in advance! I would prefer not to consolidate with Sallie Mae. I had a rather awful experience with them recently and partly look to reconsolidate so that they are no longer my loan servicer .

Best way to pay a mixture of student loans and private loans? In order for me to go to college, I had to use both Stafford loans and Private Student Loans. My grace period ends in about a month, and there just has to be a better way for me to make payments on everything. So, what are my options? Should I just pay them all separately? There are I believe 4 stafford loans and 2 private loans. Is there some form of consolidation I can do? Thanks.

When should I consolidate my federal and private student loans? I have a few different student loans out; 3 private and 1 federal. Should I wait until I graduate to consolidate or should I do it now. I'm currently paying $500 on one private loan. The other loans have a 7.62% interest rate. Any suggestions?

Where is the best place to go to get private student loans? I, unfortunately, am required to get private student loans to fund the rest of my education. I'm going to do a little bit of research on my own and try to find someone with less fine print and better interest rates, but for any of you that have experience with private loans or maybe even work for a financial aid center and could help me narrow my search down to a few select places that would be great.

What are the better private student loans offered? I am a 2nd year college student looking for a private loan but I have no idea where to start looking. Thanks for the responses... If any one has taken out a private student loan, I would like to here from you.

What kind of loan can I get to consolidate private student loans? I have $100,000 in private student loans from two lenders. The interest rate is over 10%. Is there a way to get another loan to pay this off at a lower interest rate? What kind of debt consolidation program should I consult? Most student loan companies only deal with Federal loans it seems. I keep seeing ads for mortgage loans with low monthly payments-- is there something similar I could get for a personal loan? THANKS!

How many times can you consolidation Private student loans? Does anybody know how many times you can consolidate private student loans? Right now I have approx $26K in student loans consolidated with Sallie Mae at about 10% interest rate. I would like to get a better one, but have already consolidated. If I can only do it once, do loan companies actually lower the rate based on credit and payment history?

How does the current financial crisis affect private student loans? With everything that is going on right now in the economy, with the financial bailout being turned down, etc. How is all of that affecting the private student loans? I have a loan through SallieMae.

What are the credit factors for private student loans? I am trying to accumulate financial aid for this upcomin fall semester and it is a lot harder than it was a year ago. I've tried applying to 3 different institutions for private student loans and we keep getting denied. And I also have a cosigner. My cosigner has the same credit score that she did a year ago (when she cosigned on my loan for last year) and she isn't getting approved other.....so what else factors into the loan decision? What makes this year different from last year? Also, what other sources of financial aid can I try...private student loans were my last resort.

What should I know about private student loans? What are the basic facts? How do I repay the loan? What are goos private student loans? I'm ineligible for Federal loans so what should I know about private ones. Are online sites reliable? Thanks in advance.

How to be approved for Private Student Loans? I am trying to attend a 4 year university in california. I am 17 years old and the only co-signer I can use is my mother. We applied for various private student loans online and were denied from all of them? Is there any hope? I would like $15,000 loan and our annual income is 47k. What could be the problem?

Is there any way to consolidate federal student loans with a private student loan before the july 1 deadline? I have 3 student loans through the federal gov't (perkins, federal direct and a "GATE" - AES loan). I also have a small private student loan through citibank. I want to consolidate all 4 by the July 1 deadline but no one will combine private and federal. I get ads in the but they all seem like scams to me. Any financial experts have any ideas?

How can I consolidate private Student loans? I have allot of private student loans with high interest rates and I would like to have these consolidated into one loan with a low interest rate. I dont qualify for alot of them because my credit score isnt high enough! What can I do?

What private Student Loans can I get if my parents have declared Bankruptcy and they are my only Co-Signers? Alright, I am sitting here with 4,989 in Finacial Aid from my FASA and now I need to turn to private loans. The problem is my only Co-Signer's (my parents) declare Bankruptcy about 6 years ago. Does anyone know of any loan service that will give us a loan so I can go to college?

Is there any possible way to combine federal and private student loans? I wish to God they told me in college that I wouldn't be able to consolidate them all down the road. I have federal through ACS at a total balance of 20K- fixed rate of 7.25% with monthly payments of $130 (But scheduled to go up again soon). I have private through AES at a total balance of 34K-variable rate of 9.97 (which seems really high) with monthly payments of $285 (Not scheduled to go up for another year now). I pay $400/mo in just student loans and with my car payments, credit cards, and rent- it's not cutting it. Everyone I've talked to said there's nothing you can do. Fannie Mae said they can consolidate them but only to make it once monthly payment of the total I'm paying now. How can I consolidate the two into one lower longer term payment? Or if I absolutely cannot- should I reconsolidate my 9.97% Variable rate loan? Note: I'm on that plan where they assume you'll have a good job over time and the payments gradually step up. But I still don't have that good a job!

Is it true that taking out a private student loan decreases the amount of federal loans you can take? I am starting a very intense degree program where they reccommend we don't work for the last 12-15 months of our schooling. For this reason, I am planning on utilizing federal loans and private lender loans. This morning, I spoke with the financial aid office at my school. They told me not to take out a private loan because it will reduce the amount I can get from the federal loan. What's up with that?

Did housing market affect private student loans? I saw that many private student loan compaies stopped offering student loans to 2 year colleges and some got out of the market all together. Is this directly related to the housing crisis? If so, then why not also bail people out of their massive student loan debt if they're gonna help people with their houses? I don't see how it's anyone elses fault other than the people who got the housing loans. I couldn't figure out what section this question belonged in so I made an educated guess.

How to consolidate my private student loans with bad credit.? 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.

Smart idea to pay off private student loans with federal loans? I'm a sophomore in college, and as of now, I have $20,000 in private loans. Now, once I become a junior/senior, I will get up to $10,500 each year in federal loans. Should I just use the federal loans to start paying off my ridiculously high interest rate private loans? After all, most of the federal loans will be subsidized, and by the time I graduate, I will have about $27,000 in federal loans, and maybe only a couple of thousand in private loans if I use this method of paying them off. I'll consolidate the federal loans together, and pay off the private loans ASAP(again, should only be $2000-$3500 if my calculations are correct. Note:I have the ability to start paying off the private loans while still in school through sallie mae. The interest on 3 of these loans is 14.25%!! And one with 11.25%. Federal loans are less than half of this.

What is the best option for consolidating private student loans? I have both federal and private loans that need consolidation, I'll take any advice I can get. Thanks so much

Are there any private student loans I can get for more than the cost of attendance? I'm going to a really expensive school and my parents can't help me out at all. I figured out how much I would need and then compared it to their calculated cost of attendance and it's in excess. Are there any private student loans I can get for more then the cost of attendance?

Who is the best bank or business to consolidate private student loans? My grace period is coming to an end for my loans. They are too high that even with the job I have, I can not afford to pay them all. I have two private loans that I am looking to consolidate. Actually I went through Key Bank to get the loan 4 years ago but for some reason they are split up between 2 different lenders now. I do not understand all the stuff they tell me over the phone when I call places to check on consolidating. Please HELP!!!

What are the best private student loans? Who are the best lenders for private student loans? I already have information for federal loans and scholarships.

Is prime interest rate or Laibor interest rate better when colsolidating private student loans? I am consolidating my private student loans and some places have prime interest rate and others have Laibor inerest rate. Which is a better choice?

When should I apply for private student loans? I have scholarships and federal loans but I still need a little bit of private money to fill the gap for the 08-09 school year. When should I begin to apply for private loans.

what do you think of private student loans vs government student loans? what about the subsities for private student loans that cost the tax payer 4 time more than the goverment loans? oh dear i hope i didn't just kill all the republicans that read this, a goverment program that works better than a private one. how many republicans brains just exploded? student loans are not coverd under bankruptcy

Should I get a house, pay off credit debt or pay off private student loans? I have about 30k in cash laying about in a low interest account (3%). I could use this to pay off my credit card debt of about 5k or pay down my student loans (40k - private@8%). Additionally, since prices in my area have come down I could use this to pay into a mortgage (no greater than 200k). With so many options which way should I go?

What is the best lender to get private student loans from? Contact information? I will be starting school at Auburn University in Alabama. I need to get a private student loan for the purchase of a Mobil home near the university. This means that I need the entire amount in bulk and can't have a lender that disperses the loan through the school, bit by bit, as some lenders do. I have a great credit score and I need about $15,000. What lender will be the best as far as interest rates (LOW AS POSSIBLE) and will work the best for my needs? If its not to much trouble, please give contact information.

Are private student loans a good idea for my situation? Hey guys, . I filed my FAFSA and I am ineligible for any federal loans, so I would have to take out private student loans. I have a co-signer with pretty good credit (credit score over 700) and, here's the kicker, I actually do have the money to pay it, but it's in in the stock market (it would be at a higher interest rate though). However, I was thinking of taking out a student loan since you can make small payments over a long period of time. Nevertheless, it seems like many people regret taking out these loans in the first place. So, a few questions: 1. Is it a good idea to take out a student loan? 2. Which lender do you recommend (so far I"m looking at Sallie Mae, Citibank and Access)? 3. Is there an option for automatic bill payment with these student loan lenders and would this prevent me from having the interest rate increase? 4. About what interest rates can I expect for a private student loan? Thanks so much for all your help.

Who can I consolidate my PRIVATE Sallie Mae student loans with? Please provide any info on student loans. I have federal student loans with Suntrust and private student loans with Sallie Mae.

what bank are good for private student loans covering living expenses? i'm going to college next month and i need a private student loan that can cover my living expenses. i live in new york and it is much easier winning the lottery than getting a part-time job. what bank would you recommend for this type of loan.

Are private student loans relatively easy to get as long as you are enrolled? Since the repayment doesnt start till 6 months after graduation, I would assume it's easy to get the loan, am I right on this? My worst nightmare is to get accepted into a school and not have the private student loan accepted.

How can I transfer my private student loans to a credit card when my lender does not accept credit payments? I have about $46,000 in private student loan debt at ~ 9%. I want to transfer as much as I can to a low fixed interest credit card, such as the Blue Cash American Express card (4.99% fixed APR for the life of the balance). My lender does not accept credit card payments.

does private student loans effect the future financial aid of students for college? i just want to know if state and federal grants for college will be effected by the private student loans. for example, if private student loan is taken to consolidate credit debt in addition to college semester bill.

How does the IRS handle Private Student Loans? I am a college student and have $50,000 in private student loan debt. I recieved this money in a one year span and it came directly to me and then into my bank account. I use it for extra tuition fees, books,room & board, food, etc.. How does this effect me filing my taxes? Im still a dependent as Im 21 years old. But will this have any effect on me owing money (I filed for a tax extension by the way)? Thanks for the help!

How can I figure my student loan interest deduction on my private student loans? It was not included-1098!? Received a 1098 from Sallie Mae for my student loan interest deduction. It did not include the interest paid on my private student loans. The Sallie Mae website provided information that all of my student loans may not be eligible for the interest deduction. My interest was over $4,000.00. During a divorce ,while in college, I took student loans for living expenses, transportation, books, supplies and tuition. How do I determine the total deduction allowed? The 1098 reflects that $632.00 was reported to IRS. How do I determine if I qualify for the maximum deduction of $2500.00?

Are private student loans relatively easy to get as long as you are enrolled/accepted at a college? Since the repayment doesnt start till 6 months after graduation, I would assume it's easy to get the loan, am I right on this? My worst nightmare is to get accepted into a school and not have the private student loan accepted.

Consolidate private student loans on lower interest credit card? Here's the situation: I have about $30,000 (of $114,000 total) in 3 student loans at 7.5% (variable rate). These loans are private and that's why I could not consolidate them. I have a balance transfer offer for 4.99% until paid off on one of my credit cards and am tempted to transfer as much of the 30,000 as i can to that card. I don't use this particular credit card for anything else, so this would be the only balance on this card My concern is that this will show up as consumer debt on my credit report as opposed to education debt. Anyone know what kind of impact this will have on my credit score? Worth the saved money in interest and consolidated payment? Any other advice or commentary?

Who offers Private Student loans anymore? I really needs a private student loan where the funds come directly to me, not the school! Last semester I went through PNC but they have now discontinued that program?!?! Any suggestions?

Can anyone offer advice and/or personal experiences regarding consolidating federal AND private student loans? I am trying to learn about the best way and the best lender, if any, with which to consolidate my federal AND private student loans TOGETHER into one, consolidated loan and payment. Any suggestions or experiences would be greatly appreciated.

Has anyone taken out private student loans? I took out private student loans during college, and boy was I stupid for doing so. Anyone know where I can consolidate these? Everyone is telling me I can't. Any help on ways to pay private loans back. Federal are no problem as my monthly paments are $20 a month. I have about $60k in private debt and that is killer. I got an education but man it sucks paying this stuff back.

Where can I find debt consolidation for "private" student loans? I am a young professional that is over my head in private student loan debt and credit card debt. I have found several companies willing to help me with my credit card debt but no luck with the private student loan debt because it is not considered "secured" debt. My interest rates on these loans are over 20% making my monthly payments total $700. Because I have credit problems in the past I am considered a "high risk" thus unable to get the banks to reduce my interest rate. Does anyone know of an agency that is willing to help people with "private" student loan debt? I am looking for some type of debt consolidation that would reduce my interest rate and lower my monthly payment. Please keep in mind these are private student loans not government loans. Thanks in advance!

Who should I consolidate my Private Student Loans with? I have some Undergraduate Student loans with AES and their rates keep going up and they are not great with customer service. I am wondering what is a good company to consolidate my private student loans with. I want good terms (as in deferment in school. etc.) Please help who has gone through this process. Thanks in advance =)

Does anyone know of any private student loans for people with bad credit? I am trying to get a private student loan. I got one last year, with a cosigner, and now, using the same cosigner, they are denying me! They are saying that my cosigner is now "uncreditworthy." If anyone knows of a private, non-TERI loan for someone with bad credit, PLEASE LET ME KNOW! I already had to forfeit this quarter because I can't get any money!

Where can I consolidate private salliemae student loans? I need some credible private student loan consolidators. Also can I file for bankrupcy for private student loans? Sallie Mae are still too high on the monthly payments.

are private student loans a viable supplement to federal loans and scholarships? I see alot of Private Student Loan companies being advertised on TV these days. I was wondering if 1) these companies are legit and 2) if this is a good idea for supplement funding when Federal loans and scholarships don't cover everything.

Are Private Student Loans exempt from bankruptcy? I've read that student loans cannot be disposed of during a bankruptcy. I'm sure this is true for federal/state/school loans, but what about private student loans that did not need to be confirmed by the college? (In other words, did not confirm "financial need" with the school).

what is the best debt consolidation company for private and student loans? Got private bank loans and a couple student loans. I don't want someone to scam me for consolidation. What company should I use and what's a good rate?

Should I consolidate my private student loans before the June 31st interest rate deadline? I know that the Federal interest rates will be going up to 7.25%, but are the private rates expected to follow suit? Also, is it possible to consolidate federal loans together with private loans in a private loan consolidation loan?

Why use up government student loans before private? Why does everyone say to use up all government-funded student loans before getting private ones? I can get a much better interest rate with NO origination fees with Wachovia, a private loan; while the government loan offered to me has 4% origination fees, higher interest rate, and is unsubsidized. The only thing better about the government loan is it is fixed rate. Is that really that important? Do variable rates with private loans usually increase alot? It depends the going rate at the time in the economy right?

How do I apply for private student loans??? I have good credit and want a good deal on a private student loan - any suggestions?

Where is the best place to get private student loans? I am going to college and need some priavte student loans? Where are the best places to get some?

I am not getting approved for Private Student Loans even with a good Cosigner? I have $50,000 in private student loans currently. I recently tried to get approved for a $8000.00 loan and was denied. My cosigner makes around $35000 per year. My credit is bad, but I was always approved since my cosigner had excellent credit. why is this occurring? Is it the debt to income ratio? Are there lenders with better approval terms?

Why use up government student loans before private? Why does everyone say to use up all government-funded student loans before getting private ones? I can get a much better interest rate with NO origination fees with Wachovia, a private loan; while the government loan offered to me has 4% origination fees, higher interest rate, and is unsubsidized. The only thing better about the government loan is it is fixed rate. Is that really that important? Do variable rates with private loans usually increase alot? It depends the going rate at the time in the economy right?

anyone know of a good bank to consolidate private student loans through? I've got quite a bit out in student loans because I went to a private college some I'm looking for a bank that's going to allow me to walk away with the smallest monthly payment possible

Private Student Loans?!? Pls. Help? I am currently attending a 4 year program for a BS in IT. I have Pell grants and federal stafford loans but I am starting to aquire costs for pc software fees, new computers, parts and so on. Really, my 2 current loans don't even cover the cost of my tuition - I still have to come out-of-pocket each month $335. With the cost of tuition and all these extra fees, I am really drowning. I'm think of looking into a private loan. Currently my pell grant and stafford loans get sent straight to the school. Do private student loans work like this as well? Do they send the school the money? Will I ever see a portion to cover some of these fees? I don't want to take a loan out if all of the money is going to somewhere else, and I don't get any to help out. that would suck big time. If anyone has ever went through private loans, please help answer my questions. Thanks ♥

Private Student loans? I have a LARGE amount of student loans, both federal (consolidated) and private. My private loans are on a variable interest rate. I feel like I am spinning my wheels paying each month to a balance that doesn't seem to move. What can I do? Should I put the fixed rate loans in deferrment and pay double on the variable rate loan?

Does anyone know how to get private student loans repaid by the military? I joined the Navy with a sign-on benefit of $65,000 in student loan repayment. I was told at the time I joined that my Sallie Mae loans would be covered, but now they are telling me that these loans are not covered because they are private. I have about $35,000 in federal loans that are going to be repaid, but I still have a very large amount of private loans. I was initially told that I could simply refinance my private loans as federal loans and they would be repaid by the Navy, but now I know that it is impossible to turn private loans into federal loans. Does anyone know of a way to get my private loans (up to $65,000 minus the amount of federal loans already covered) repaid by the Navy/military?

How does bankruptcy affect private student loans? Hi, I have about $40,000 in student loans through a private bank, not federal. I know that federal loans cannot be discharged in bankruptcy and from what I've read, private loans CAN be... However, my parents are the cosigners on the loans (they are still deferred as I'm still in college) and A)I don't want my parents to know my hubby and I are filling bankruptcy and B) I still plan on paying back the student loans myself, and don't want them to default against my parents... It's just the credit cards and T-mobile ($200/mth for a $99/mth plan?? stupid fees and WAY TOO HIGH early termination fee, over $500!!!) that are too much for us now after hubby lost his job. If I reaffirm the student loans, will my parents even know about this? We have at best a... strained relationship... and my parents charge me "interest" of their own for the loans as they didn't want me, a girl, to go into engineering... Anyway, thanks for the input! Trust me, I've research ALOT about bankruptcy,and even talked to a couple of different lawyers about it, both of which said we really need to file. We've got about $26,000 in credit cards combined, (most of that is from tuition, books, lab fees, gas, etc). Also, if I don't list the student loans in my bankruptcy filing (I still don't have to pay ANYTHING on them for another 2-3 years) how would that even affect my parents at all? And they only cosigned for me because the rest of the world twisted their arm into it... I'm going to end up with about 15% interest on my student loans by the time my parents are done with me... Hubby recently got a job in foodservice, that's how poor the job market is around here, but work is work so he does it with a smile. Still, some situations are unavoidable, especially in this recessive market. SO... If I don't list the student loans and/or reaffirm the debt, how would that affect my parents at all? I'D still be the one paying, not my parents.

a question about private student loans and interest? im a transfer student at a state school whos living off campus. it looks like i have 3 semesters to go, and so far ive only taken out a $4500 federal loan, i wont even be using all of it this semester (it should cover most of this semester and the next). the problem is, i cant use it for off campus living. because of unexpected expenses, im having a hard time getting my rent for next month, still have to pay my security deposit, some bs fees on campus that add up to a couple hundred bucks, etc. i'm thinking about taking out a private loan of about $1500 to make sure im covered (i wouldnt use all of it now, thats usually the minimum student loan). my question is this: i know that private loans have high interest, but if i were to pay it off sometime this coming summer instead of waiting until after i graduate, would i still have to pay for interest?

NON TERI private student loans? I know all about Sallie Mae and all the private student loan companies on the net. My problem is I found a great new MBA program in Buenos Aires but they do not appear on the TERI approved school list. does anyone know of alternative/ private loans that do not require TERI approval?

Eligible for private student loans? I lost my federal financial aid this year due to poor academic performance. I am serious about reestablishing myself, but have raised only half of what I will need to pay for the next two semesters until I my financial aid is reinstated. I have been looking into private student loans, but I am unsure that I will be eligible if I have lost financial aid eligibility. Also, there are so many private loan agencies out there I was wondering if anyone had a few in mind. Thanks in advance!

It is a good idea stick with one lender for all student private loans, or stick w/the same for for all loans? I have gone through the same private lender (BOA) for all my federal and private student loans. However, this year I am thinking of borrowing from citibank for my private loan needs. Is it a wise move to switch to a new lender for my next loan, or should i stay with the same one? Even though citiassist has a slightly better rate, will my payments be more once i get out of school because the new lender will think i only borrowed 10,000 and charge me more based on that fact that they think that i can afford to pay more back? In other words, will having 2 lenders cause them both to think i only have borrowed from them, and consequently mean higher payments for me than if i were to stick with one lender?

Private student loans? I am in desperate need of a private student loan for $2000 so I can start school. Does anyone know of any companies that will approve you with not so good credit but with a co-signer? I have heard about sallie mae so please do not suggest them or you own private loan that you are wanting to offer. I would like a real company that will help me out in a bind.

Private student loans? I have a co-signer for a private loan for school but their income is from a VA benefit each month. Does anyone know if this type of income would work and what would they have to show as proof of income? Also which student loan companies would you suggest?

private student loans in philippines? is there anyone here in philippines who offers a private loan for a student like me? i am willing to sign a contract and pay back the loan with the interest after graduation or even after 2 years. i just badly need money to continue my college education..?

Student Loans-Private Signature.? Private Student Loans, in particular, the Signature Student loans serviced by Sallie Mae. I am well aware of the nature of Sallie Mae. They are the classic "have your cake and eat it too", and subsidized loan sharks. However, are there deferments due to unemployment, low income etc? Or, do they just hassle and threaten you for a good while, then write them off? Bear in mind, I'm talking about someone who has no assets. i.e. home, boats, late model cars, motorcycles or the like. Someone whose income is variable, nothing to a something from week to week. These loans intitiated from around 6 to 8 years ago, and where in deferment while in school, yet they list them as bad accounts on a credit report, unlike Stafford loans, which are listed in good standing. Private student loans are in a grey area, which the lender can play by whatever rules they wish, they are getting paid no matter what.

Federal loans...private student loans? ok so i've filled out my FAFSA, it's been processed, been accepted at my school, now im wondering...do i apply for private student loans first or federal loans? what's the order? i need like 15, 000 for my first year.

private student loans? I'm a full-time college student recieving, PELL, TAP, & Stafford loans but I still fall short. My parents can't afford to take out a parent loan for me, nor can they pay any of my college costs. So I have a signature student loan from Sallie Mae, but after the school takes their cut, I'm still falling short and with a field studies trip next semester I'm worried about money for the next semester. Can someone recommend me another alternative for more cash so I can pay any possible unforeseen costs (my car is about to go). I was looking into private student loan alternatives, but the interest rates seem OUTRAGEOUS. What are my options, I am looking to borrow ~$3000. I am already working work study. I have student loans because working full time around here really isn't an option other than walmart and even working at walmart 40 hours a week (although I know I wouldn't get that many hours) would only get $200/week and with the effect on the grades I have I'm not going to risk it. I'm going to attempt to get a job on the weekends in addition to my work study, but I know that I won't be making enough to cover those expenses. I also didn't ask for people to tell me what a bad idea it is, I know it isn't that great of an idea, I asked what provider was best, or I should have. I asked around and was told that the best way to go about it was through bank of america.

student loans, federal to cover private? I have returned to school persuing an engineering degree. I took out a private student loan to cover housing four years ago and deferment is over. Since I am in school and federal student loans can be defered as long as I am enrolled half time, should I take a federal loan out to cover the private student loan so I don't have to pay while in school? Money is tight since I don't work full time. I really don't want to pay another bill while in school, I have enough to worry about now.

Private student loans? I am a graduate student at a private school. Right now my tuition is covered through federal loans. Unfortunately, I need a new car and I wondering if anyone knows about a good private student lender that I can get a loan to pay for a new car. I understand the risks involved. I have spent a lot of time looking at different bank websites but I am unsure of what bank or private lender will provide me with the best deal. Thanks

private student loans? Are private student loans an option for a student attending a community college? The reason I ask is because all the student loan websites I look at, my community college is not an eligible school. Why is this? I mean, are the lenders out there who will give me a loan?

Private Student Loans I need to Consolidate. HELP!!!!!? I need to consolidate private student loans. NOT FEDERAL. Thus I need someone's help with who to consolidate them with. Most companies only deal with private student loans. The payment is killing me and I need to get them consolidated. Please someone help!!!!!

private student loans? I am starting school in a month and will not receive my financial aid and loans until October...I still need to buy a computer and misc school stuff, I don't have very good credit ...where is a good place to apply for a small private student loan?

private student loans? ive heard that private student loans have better interest rates than other sources... i was wondering what are some of the better loan companies out there?

Private Student Loans? I'm trying to pay off my private student loans and I was just wondering if anyone has any ideas on way's to pay it off quicker? I have a lot of debt (loans & credit cards) and have two jobs but can never seem to keep my head above the water. I'm just trying to find the most efficient ways to pay everything off and try and live comfortably? Any ideas would help I'm starting to run out of them. :)

Question regarding private student Loans? I'm currently 19y.o. and I'm about to go back to college (finished 2 years at ITT Tech and now have a balance of $30k w/ Sallie Mae). The school that I'm planning to go to is LA Film School which costs $42k in tuitions. Now I'm hoping to get the maximum I can get from grants, scholarships, and the Sallie Mae federal loans but I'm going to be short that's for sure. It's only a 1 year program and they tell me it's probably not a good idea to get a job during the school year since the program is pretty heavy on the student. I'm an only child with a Mom that only makes $25k a year. She also has a lot of bills, bancruptcy, etc from the past so I'm unable to use her as a cosigner and I don't know anyone else I can use. So I was wondering where I should apply for a private student loan. Citibank, Chase, Bank of America, etc, and if they will allow me to borrow $20k+. My credit score is currently at 711 (FICO) and I'm very good at paying things off on time. Thanks for the help!

Help in Refinancing Private Student Loans!? I have four private student loans that have an unsatisfactory interest rate. Can anyone relate any experiences or advice with consolidation of private student loans that would help me in the search to lower my payment and get a satisfactory interest rate? What to stay away from, a company that is particularly helpful, anything! My credit score and future need you!

Interest rates on Private Student Loans too High?!?! What do I do?!? I have two private student loans and the interest rate in my opinion is outrageous. One is 12.25% and the 2nd is 18.125%. I pay $200 over the min. monthly payment amount. I am going to be calling the lender (Sallie Mae) in a day to get this straightened out. I feel I need to know if these interest rates are crazy, or am I?! I have heard that private student loans interest is based on your credit score (is that true?) I have a pretty good one . !! Any help?! Thanks. ;)

Private student loans and bankrupcy?? I have private student loans and I am wondering if I file for bankruupcy will they be taken off the slate? What does someone have to do if they can be and what is the criteria for them to be considered?

Question requarding private student loans? my husband has a student loan from Sallie Mae (someone else may have heard of them). This may be TMI, but it started as 30,000, and for reasons not under our control, he has had to defer them the last 2-3 years. so it's now up to about 50,000. We cant afford to make the min. monthly payments on these, it's like 1100 a month!!! Any place that has called to say they could help lower monthly payments, winds up turning us down because it's thru one lender and it's private?! Does that make any sense? and im pretty sure they're all federal loans, so u know what that can do to your credit :( Has anyone else had this same issue, and if so what can we do about lowering the payments so we can afford it?

Are there any private student loans you can get with ok credit??? I have been applying for student loans left and right and my parents finally said they would co-sign for me. However, they have okay credit and I have horrible credit. Are there any private student loans that I can get approved for???

I need help consolidating PRIVATE student loans (NOT FEDERAL)? I have tried to contact many different consolidation companies but they cannot help me with PRIVATE student loans. My payments are outrageous and I cannot pay them. I have placed them in forbearance many times but all that is doing is making my total owed amount go up since it still accrues interest. Remember these are PRIVATE student loans not federal and right now my interest rate is 14%!! PLEASE SOMEONE HELP ME!! mrs.izabel, Thank you but again these are PRIVATE student loans not federal. I have already consolidated my Federal student loans.

Best source for private student loans? I've run into a problem with paying for my final semester of grad school. Tuition is due january 26, 2008. I am currently dependent on my mother for all resources (she claims me as a dependent) until I get married in April. I cannot apply for FAFSA/gov loans (too much income, not enough time). Where should I go for private student loans? My fiance will cosign my loan (he has very good credit, my mother does not). Should I go to the bank, or Sallie Mae, etc.? ty!

How much private student loans should I take out for 2 years? My husband and I are starting similar college programs in a few months, and I'm not sure the amount of loans I should take out. We do not qualify for financial aid, so the majority will be private loans. Should I take out a large private loan for cover the full two years (living expenses, tuition, etc) or should I take out enough for one year and take out another loan for the next year? Which would be more beneficial? I've never used private loans before. Also for private loans I am considering Wachovia, Citibank.... and possibly Wells Fargo. Thank you

Do you think Sallie Mae private student loans are predatory? It seems to me there is something awfully slimy about Sallie Mae's private student loan business, but I'm open to new ideas about it... afterall noone twists students arms to get the loans...hehehe, its not like a college education is 'required' to get a good job anymore (sarcasm).

I have $16,000 in Federal Student loans and $15,000 in Private Student loans. I have my Bachelors Degree and? would like to go back to school for Dental Hygiene. That would be another $20,000 - $25,000 in student loans. I would be able to borrow some from the federal loans but I would need to take out a private student loan as well. Is this a good idea?

Who can I consolidate my PRIVATE Sallie Mae student loans with? I have private student loans with Sallie Mae. I want to consolidate the PRIVATE student loans from sallie mae to lower my monthly payments. Current mthly pmt 700/m. Any help I would greatly appreicate it. Thanks

G.I. Bill for private student loans........? Once you get your G.I. bill money after you serve your time in the military can u use those funds for Private student loans?

private student loans with bad credit and no-cosigner?? im entering my first year of nursing school., which is pretty expensive. i have no job at the moment because of school and need a private loan. I have Stafford loans but its not enough to cover all the cost. I'm not sure about Sallie Mae. Does anyone know of any private lenders that deal with bad credit and no cosigners??

bank of america private student loans...? i am an incoming freshmen in undergrad. my parents and i have covered most of tution with grants/scholarships and a federal stafford loan [which i also took out with bank of america]. i need some extra money to cover books, gas since i'm commuting, meal plan and club fees. i want to get a private loan from bank of america as well but when i looked for one there were different types of private loans on there. can someone please go on the bank of america website and tell me which private loan would be best for me to take out. this would be very, very helpful. thanks in advance.

Can debt management companies help with alternative/private student loans? I have a alternative/private student loan worth about 25000. Money is real tough. I also have credit car debt as well. I was thinking of going to a credit counseling service. Can they help me with my student loans too?

I need to consolidate private student loans without a cosigner...help!? So I'm trying to consolidate my studnets loans and found out that in order to cosolidate my private loans I will need a cosigner. Since I do not have anyone that can cosign for me this is going to be a problem! My questions is...is there any business/company/bank who will consolidate private loans without a cosigner or is there some way around this?

Is there any help for people with Private student loans? I have private loans with Sallie Mae, when I took the loans out, I was told my payments would only be $220 a month, okay great I can pay that. They started at $350, and have risen to over $500 per month. I have tried to consolidate, and now due to my bad credit because of these outrageous loan payments I need a cosigner, well I had one, my sister, but then she called and spoke to Sallie Mae and found out that when they told me that my rate would be locked in at 7%, in comparison to my 13% for two, and 17% for one other, it would not be locked in, it could change, she doesn't want to take the chance that I will not be able to afford the payment if it goes back up again. What can I do? How is it legal for a school financial aid department to tell you your payments will only be $220, and then you are just stuck with payments you cannot afford, and everything Sallie Mae tells you to do and that you "can't" be denied, you pay extra money just to get a letter saying "You are not eigible"