How Can I Bring My Student Loans Current in a Reasonable Amount of Time? – James

“Dear Steve,

In a nutshell: 33,000 in student loan debt, not great credit, debt to income ratio to high, to many accounts with high interest, can’t refinance house, wouldn’t make any money selling the house.

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I’m having trouble making monthly payment and my student loans are on forbarence are coming due. I don’t have emergency funds left in my savings account.

How can I bring my student loans to a reasonable amount, find some kind of consolidation loan to a lower payments, lower interest rates on credit cards without doing much harm to my credit?

Maybe its impossible.

Took the took the test on the IBR page for student loans and it said I would”probably qualify.”


I’m currently backed-up on answering questions so I’m posting some of the questions here for you to help answer.

This is your chance to be a hero and help out this person by providing your feedback and answer to the question in the comments section below.

Damon Day - Pro Debt Coach

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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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