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  1. #1
    OF Junior Member Speed6Mark's Avatar
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    Who wants to help a brother out? I'll pay.

    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.
    The one without air conditioning.

  2. #2
    Investments Guru Hurleysurf24's Avatar
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    sell the car and drive around in a hooptie for a while ?
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  3. #3
    OF Senior Member McLude's Avatar
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    We handle this sort of stuff... give me a call (sig).
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  4. #4
    the one and only Henny's Avatar
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    are you from Nigeria?
    Quote Originally Posted by Einstein View Post
    Last time I checked, henny's gone a lot faster then you and doesn't really have a need to swing on someone else's nuts
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  5. #5
    L Double D dominick's Avatar
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    lol
    Went from low n slow to high and slower

  6. #6
    OF Senior Member BlackGuy's Avatar
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    Quote Originally Posted by Hurleysurf24 View Post
    sell the car and drive around in a hooptie for a while ?
    Selling a mazdaspeed 6 is like selling an rx7. Takes forever.
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  7. #7
    Moderhater Doc Holliday's Avatar
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    Quote Originally Posted by hennytime5 View Post
    are you from Nigeria?

    lol.
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  8. #8
    OF Junior Member lafabritto's Avatar
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    Quote Originally Posted by BlackGuy View Post
    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

  9. #9
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    4111 n john young pkwy. (407)295-7073 - robert and/or barry

  10. #10
    OF Junior Member Speed6Mark's Avatar
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    Quote Originally Posted by hennytime5 View Post
    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?
    Last edited by Speed6Mark; 09-30-2008 at 08:46 PM.
    The one without air conditioning.

  11. #11
    OF Senior Member ogsucka's Avatar
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    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.
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  12. #12
    Investments Guru Hurleysurf24's Avatar
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    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
    Grocery Getter: Acura 3.5 TL Type S
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  13. #13
    OF Senior Member
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    Quote Originally Posted by bigmike View Post
    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.

  14. #14
    OF Senior Member
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    Quote Originally Posted by Hurleysurf24 View Post
    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.

  15. #15
    OF Junior Member Speed6Mark's Avatar
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    Quote Originally Posted by bigmike View Post
    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.
    The one without air conditioning.

  16. #16
    OF Senior Member
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    Quote Originally Posted by Speed6Mark View Post
    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.

  17. #17
    OF Junior Member BYE STI's Avatar
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    Mark, do you own a home?

  18. #18
    OF Junior Member Speed6Mark's Avatar
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    Quote Originally Posted by BYE STI View Post
    Mark, do you own a home?
    no sir. I rent an APT with my g/f.
    The one without air conditioning.

  19. #19
    slappin hoes HITLER's Avatar
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    just do what the u.s government has been doing for the last 10 years borrow it from china.
    I tea-bagged your drum set!





    AKA RioRedCobra99

  20. #20
    OF Junior Member Speed6Mark's Avatar
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    Quote Originally Posted by RioRedCobra99 View Post
    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.
    The one without air conditioning.


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