financial guides for reducing debt
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 Guide to Reduce Credit Card Debt
 Guide to Reduce Personal Loan Debt
 Guide to Reduce Student Loan Debt
 Guide to Payoff Your Mortgage Fast
 Managing Your Debt
 Managing Credit Card Use
 Managing and Planning a Budget
 Checking - Protecting Your Credit
 Debt Consolidation Worksheet
 Debt-to-Income Ratio Calculation
 Lowering Your Bills Guide
 About Your Credit Report
 Building, Maintaining Your Credit
 Increasing Your Income
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Debt Consolidation Application
Debt Management Notes
note: what your credit report
is showing related to your debts
note: using your home equity
to consolidate your debts
note: budgeting software to paydown
debts and your mortgage
join this credit and debt
management forum
Before You Exit Site


Summary Notes
Note 1 For College and Higher Education Graduates:
you should consolidate student loan debt separate from other debt to take advantage of rate incentives — view our pros and cons for consolidation
Note 2 Lower Monthly Payments:
reduce your monthly student loan payments from 27% or more depending on the amount of your student loan debt — link to our estimator to see how much
Note 3 Single Monthly Payment:
by consolidating student loan debt, you will submit only one payment per month instead of multiple payments on the different loans — about single billing
Note 4 Lock-in Fixed Interest Rates:
lock-in your low, fixed interest rate during your repayment period — calculate your estimated consolidation rate
Note 5 Rate Reduction Incentives:
reduce your federal consolidation rate even further with these lender-specific incentives — view rate incentives
Note 6 Zero Costs / Zero Obligation to Apply:
no credit checks, no application fee, no costs. Eligible for federal student loans. E-sign and process your application online — view consolidation process
You can apply online
or dial 1-800-895-1911 to discuss your plan
Guide Student Loan Consolidation:
complete module with summary notes and benefits on student loan consolidation


Lower Your Bills:
review our companion site on lowering your housing, transportation, food and other monthly bills.
Guide Budget Management:
build a monthly spending plan with financial goals for home buying, college savings, vacation and retirement.
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