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Wonder if I should try prosper..........I make about 3k after tax every month, and my mortgage is only 700$~~ or so, and me and the girlfriend go fifty-fifty on that and utilities, so my monthly bills are very low.
 
Originally posted by: Beattie
Just go to a credit union or if you don't have one, a bank and see what rates you can get.
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for some reason, I didnt think it was that easy. But I will make up a semi generic email with my basic information, and see which bank can give me the best rate....

my credit union, USBank, TCFBank, CITI, E*trade.
 
Originally posted by: ViviTheMage
School loans = 10k, roughly, credit card is probably around 10k, private loan around 7k.

All of these basically paid for school + trip to Europe Last winter + most expenses during school.

What is the best way to tackle all of these loans into one?

CCs are around 10%, private loans at 8%, school loans are pretty low...which I do not have to start payment on until :

Scheduled Start of Repayment: 11/15/2008

Id like to throw it all into one lump loan, with a lower rate. Where would be my best place to start? i have mid 700's for a credit score, soo I think I would get an OK rate...

thanks for your wisdom OT ^_^
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Why consolidate if you make enough to pay it back? just fork out an extra 2-300 a month for your bills til you pay it off. If you cna afford that of course. Youre better off not going through consolidation unless your credit is already in disrepair.
 
I just figure that having one payment would just make it easier, especially if I can save money in the short/long run paying it all off.

and a low interest rate is rather appealing to it too...saving the money monthly/yearly.
 
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