I’ve just recently graduated law with 120k of college loans, both private and federal. It’s a crazy sum but I figured being a lawer graduate I should be able to pay it off quite easily. I’d like to find out a way to consolidate my college loans and hopefully lock in a low interest rate and a reasonable repayment plan. Does anyone have any good advice on which bank I should use and on how to go about consolidating student loans? I’ve been looking around on the net but couldn’t find a satisfactory deal so if there is anyone that has just recently consolidated his/her loans I would love to hear from you. Thank you for your advice in advance!

I’m a student who is trying to get a head start on paying off my conslidation loans. Which companies are the most legit? Why should or shouldn’t I consolidate my college loans earlier? is that a bad thing? Should I wait and then worry about it later? A friend of mine started paying off her college loans while still in school and she advised I do the same. I enjoy having some pocket money as a student, after all who doesn’t like to go to a party and order a few drinks now and then.

I have some credit card debt and I need to consolidate it. I moved into my house 1 year ago and the people who lived there before me had a very bad credit and I still recieve bills for them. I am looking for a loan of £7000 and spread over 7 years. The problem is that I have been declined by my bank because I’ve got two overdraft bank charges due to a credit card debit payment. I have applied to Nationwide but they have also declined my application. I recently applied for other credit cards to get me out of trouble quickly. Two of these have accepted my application. The debt is currently spread across 4 different credit cards. I have one other loan but I don’t want to consolidate this one since it has a low interst rate. I am a manager of a very well known company and earn circa 20k. Please give me some advice.

I am a student with a substantial amount of debt. Not only from my college loans but mostly from credit card companies. I’m hoping to consolidate all my credit cards into one single loan without closing my accounts. I’m not a homeowner, I do have own a nice car, however. Unfortunately for me I have been unemplyed for the past four months. I currently have an income from internet enterprise, but it is still not enough to pay all my bills separately. What can you suggest in this case. Is it a good idea to consolidate my credit cards? Now with the recession coming I’m a bit worried that finding work might be more difficult than I initially expected, so if I could consolidate witha lower interest rates that would be really helpful.