Who wants to help a brother out? I'll pay.

[Speed6Mark]

I'd like to do some debt consolidation, but MY credit is not good enough to get the appropriate loan at a decent interest rate.

I would obviously needa co-signer with very good credit. The main reason I am looking to group everythingtogether is to reduce interest costs on a few student loans i have taken out.

I have pretty much set my eyes on a Personal Loan from Capital one. This would take care of my credit cards, 4 private student loans, and my remaining car payment.

The Loan amount would be 30K over 7 years. I'd prefer this route because my student loans are the majority of the amount and they are spread out over 20-25 years, depending on the lender. Given the worst possible interest rate they offer (12%), I'd still be saiving about $200 in minimums a month.

If someone would like to co-sign for me I'd pay you $1500 for the trouble. Once I have the funds I will give you cash. I know this is something that takes some consideration and is nothing to mess around with. I'd have whomever sit down with me at my home to fill out the paperwork.

Here is what I am considering http://www.capitalone.com/personalloans/why00.php

I would try my parents, but their recent divorce has ruined their credit.

[Hurleysurf24]

sell the car and drive around in a hooptie for a while ?

[McLude]

We handle this sort of stuff... give me a call (sig).

[Henny]

are you from Nigeria?

[dominick]

lol

[BlackGuy]

sell the car and drive around in a hooptie for a while ?

Selling a mazdaspeed 6 is like selling an rx7. Takes forever.

[Doc Holliday]

are you from Nigeria?

lol.

[lafabritto]

Selling a mazdaspeed 6 is like selling an rx7. Takes forever.

selling ANY car right now is like selling a RX7... lol

good luck with ur loan

[bigmike]

4111 n john young pkwy. (407)295-7073 - robert and/or barry

[Speed6Mark]

are you from Nigeria?

Lol, good one.

I am not struggling by any means. I always make more than the minimums on all my responsibilities. I just get sick seeing the statements come in and about 55% of my recent payment is going towards interest

I don't want to go into that weird "consolidation" status either that ruins your credit (from what I have been reading). The actual credit card debt of what I want to consolidate is only about $2500. The rest is my student loan balances.

I am not ones of those card crazy people you hear about lol. I would like to pay everything off faster if possible, that's all.

I don't need to sell my car either lol. I mean I could, but why? After bills, gas, food I have about $100 a week to hold on to.
I just see an opportunity to change out about $750 in minimum monthly payments to at most $580. Saving an additional $170 a month sounds good right?

And coorect me if I am wrong but wouldn't something like this lower my debt to income ratio as well?

[ogsucka]

i'd help you out mark but me moving out last year screwed my credit... not to mention when we ran and i broke valves lol i had to take out a student loan just to fix the car.

[Hurleysurf24]

you can just take a break from your student loans .. people do it all the time. i forget what the word for it is though

[bigmike]

4111 n john young pkwy. (407)295-7073 - robert and/or barry

how the **** did this reply from me wind up here. i never even looked at this thread...

disregard.

[bigmike]

you can just take a break from your student loans .. people do it all the time. i forget what the word for it is though

deferment.

6 months.

[Speed6Mark]

deferment.

6 months.

I'd rather not. Ive been making payments for about 2 years now with no problems. I don't wanna put them off anymore, I want them gone.

[bigmike]

I'd rather not. Ive been making payments for about 2 years now with no problems. I don't wanna put them off anymore, I want them gone.

sorry was just giving him the term... wasn't really recommending it. it wouldn't fix your issue.

[BYE STI]

Mark, do you own a home?

[Speed6Mark]

Mark, do you own a home?

no sir. I rent an APT with my g/f.

[HITLER]

just do what the u.s government has been doing for the last 10 years borrow it from china.

[Speed6Mark]

just do what the u.s government has been doing for the last 10 years borrow it from china.

lol, ill see what i can do.