MARIETTA, Ga. -- Where does a person find a consolidation (debt) loan for student loans? That’s a good question, and Credit-yogi.com is here to provide some insight into this topic, such as:

· Self Help

· Department of Education (DOE) Consolidations

· Debt Relief Companies

· Home Equity Line of Credit

Self Help Suggestions

Before trying to consolidate student loans and credit card debt, see what can be done without going through this process. For example, contact creditors by phone or email and suggest a reasonable repayment plan. Inquire about a reduction is interest rate or principal to help lower the payment. Most creditors will be willing to work with a concerned borrower; be polite and respectful when contacting them to obtain the best result.

DOE Debt Consolidation

The Department of Education (DOE) offers a consolidation debt loan student loan debt called the Direct Consolidation loan. Almost any federal student loan can be consolidated, including Direct Loans, Stafford Loans, and PLUS Loans. PLUS loans from the Federal Family Education Loan (FFEL) Program, Perkins Loans, and some other consolidation loans can also be merged to make it easier for graduates to afford their monthly payments. Be sure to get the lowest rates and best terms available to get on track with debt repayment.



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Debt Relief Businesses

Some debt relief companies will consolidate student loans and credit card debt, but be very careful when choosing one. There are innumerable businesses out there just waiting to trick someone out of their money. Things to watch out for include a demand for payment prior to receiving any services; pressure on one to give “voluntary donations” which is just another term for fees; suggests a “new government program” to eliminate credit card debt; and instructions to discontinue communicating with creditors without informing one of the consequences of this action.



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HELOC can Help

Taking out a home equity line of credit (HELOC) can be similar to getting a consolidation (debt) loan for student loan debt. This financial product works like a huge credit card, but it’s based on the equity in one’s home. A person can draw from the money for a period of up to 10 years, and he can use the cash in any way. If he wants to get rid of his debt, he can do that and fix the roof or build a garage or whatever else he wishes to do. Remember that one will pay this back for 20-30 years, so be sure it’s the right thing to do.



Credit-yogi.com is an accessible, easy-to-use website whose aim is to provide intelligent, up to date responses to the fiscal inquiries of its consumers. For a complimentary preliminary consultation, dial 866-964-9644.