I have lots of student loans and my grace period is about to end . can anyone reccommend any good rates with particular loan consolidations? i need to save money for the wedding but i sont see it happeneing. i dont even know where to start!
futuremrsmultari
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Re: NWR..Student loans
I consolidated my federal with Sallie Mae. Private loan consolidations result in a higher interest rate so be careful with those. I am paying off my highest rated one and have the others in deferment. You can always no fault defer due to economic hardship, etc. w/o penalty. FM me if you need help. I have 6 figures worth of loans!!
Kimbalina
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Re: NWR..Student loans
Can you ask for an extentsion?
SeaMaiden
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Re: NWR..Student loans
Well, i just got a job( ) so luckily i am in a situation where i can start to pay them off now, but i want to lower my interest as much as possible(like everyone else, lol) but i dont know where to turn. i need an unbiased student loan advisor, lol.
TommysWife08
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Re: NWR..Student loans
your better off consolidating with the bank you borrowed the money from... i borrowed from citibank - they are AMAZING!! depending on how much you owe, their payback rates are realllly reasonable! i'm paying back $211 each month for 10 years
jgl
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Re: NWR..Student loans
Nelnet is amazing. i think my rate is 3.5% and it will go down 1% after 1 yr of on time payments. I refused to consolidate with sallie mae. They are sneaky and will sell your loan to someone else if they want. Nelnet wont. I found nelnet through teachers credit union
Nelnet.com
ama1771
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Re: NWR..Student loans
we used sallie mae too. You can request a deferment if you absolutely cannot may, but I personally struggle from month to month so I don't have to do that
Snowflake08
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Re: NWR..Student loans
mine is with great lakes
if youre not ready to start paying it back yet, you can ask for a deferrment due to financial hardship or some other reasons
Fall Bride 2008
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Re: NWR..Student loans
sorry I dont know but I hope you find what you need Good Luck
Blondie77
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Re: NWR..Student loans
call graduate leverage - they are fairly unbiased....and they will hook you up with a lender that won't sell your loans to other lenders who can change the terms of your agreement.....i also heard nellnet was good.....you can also try to get your loans into forebearance for a little....
SeaMaiden
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Re: NWR..Student loans
i think i will start by calling nelnet to see how they operate. my loans were originally through HSBC who sold them to nelnet so i dont know what thats all about. as of right now my interest rate is 7.25% which sounds a little high to me.
michellecarin
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Re: NWR..Student loans
i have sallie mae. They are in deferrment b/c I am in grad school right now. The though of them beginning again is scarey. Grad school ends this august
chrispar
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Re: NWR..Student loans
you can consolidate with sallie mae
kimNanthony
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Re: NWR..Student loans
I dont know if this is applicable to you, but you can only consolidate if they are federal loans (not private). I consolidated my federal loans with Access Group since I had my private loans with them, it just makes it easier.
jgl
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Re: NWR..Student loans
Posted by SeaMaiden
i think i will start by calling nelnet to see how they operate. my loans were originally through HSBC who sold them to nelnet so i dont know what thats all about. as of right now my interest rate is 7.25% which sounds a little high to me.
yeah that is high like i said my rate is 3.4% but will go down 1% in a few months
SeaMaiden
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Re: NWR..Student loans
WOW!! 3.14% which will be 2.14%!! Where did i go wrong?? my loans are stafford loans so not private, thankfully.
Mrs. V 2008
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im using sallie mae
Ilovebriani
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Re: NWR..Student loans
Posted by jgl
Nelnet is amazing. i think my rate is 3.5% and it will go down 1% after 1 yr of on time payments. I refused to consolidate with sallie mae. They are sneaky and will sell your loan to someone else if they want. Nelnet wont. I found nelnet through teachers credit union
Nelnet.com
i use nelnet as well, they have been great! i also have private loans with AES and Citibank. all companies have been pretty good.
Ilovebriani
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Re: NWR..Student loans
Posted by Ilovebriani
Posted by jgl
Nelnet is amazing. i think my rate is 3.5% and it will go down 1% after 1 yr of on time payments. I refused to consolidate with sallie mae. They are sneaky and will sell your loan to someone else if they want. Nelnet wont. I found nelnet through teachers credit union
Nelnet.com
i use nelnet as well, they have been great! i also have private loans with AES and Citibank. all companies have been pretty good.
AES = 'American Education Services'
nifheim
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Re: NWR..Student loans
Student Loans are $200 a month? WOW i have no clue what my payments will be i have i think 9k out on loan all subsidized i think it is (whatever is teh better unsub or sub can't remember) I have no clue with anything just signed my life away and made sure I didn't get the bad kind.
