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Student loan debt has soared in recent years along with college costs.
Unlike other unsecured debt, student loan debt isn’t dischargeable through bankruptcy, so you have just one choice: repay it.
Cosigners should be wary when the agree to this arrangement.
Some lenders will offer consolidation loans to those with lower minimum credit scores than mainstream lenders.
Consolidating to a single, fixed-rate loan can make managing your finances much easier.
Remember, not all student loans can be consolidated.
Individuals or groups will offer to finance your consolidation loan.
You could make an appointment with a nonprofit credit counseling agency to research debt consolidation programs, or you could do it on your own.P2P lenders choose who they want to do business with and how much risk they are willing to take.Your credit score still matters – it will dictate how high an interest rate you pay on the loan – but it does not automatically eliminate you from consideration like it would at some commercial banks and credit unions.If your credit score is above 640, a debt consolidation loan (also known as a personal loan) from a bank or online lender could save you from the higher interest rates charged by credit card companies.If your credit score has gone south of 640, you can still consolidate your debt payments and lower your interest rates with a debt management plan from a non-profit credit counseling agency.