[my_monkey]

Most of us have debts weather its big or small. I was wondering if anyone knows a way or where to get like a large loan to help pay off debts. I have credit cards that are almost maxed out. I hate credit cards. Because paying for everyone single one of them every months empties the bank account. Not just the credit cards but plus student loans too.

I'm asking because I want to just pay with only ONE bill and not multiple bills per month. If I pay all those bills it reaches about 300 dollars or more. I like something that has a lower monthly payment and low interest rate also. If its even possible to delay payments for like a few months so I can buffer up some cash.

i don't know but I think i might have bad credit.

Anyone out there have some kind of solution?

[G4nismo]

i would consolidate your loans...well your federal loans i mean. consolidating can save you time and money by allowing you a single, convenient, monthly payment, locking in your current interest rate.

dunno if you currently enrolled in school or not but you might qualify for a deferment, forbearance, or other form of payment relief. check with your lender.

also, its good to check your credit rating say once a month. you can use free credit rate report sites for example,
creditkarma.com. don't start obsessively checking it repeatedly as that will hurt your credit score.

hope that helped

[lhkim85]

This is a good site, legitimate, non-profit:
http://www.nfcc.org/

Be careful. There are a lot of people out there that claim to be debt consolidators but will actually just take your money and not pay the debts at all.