“Dear Steve, I have been a government employee and/or public servant since 1991. I am now 45 and I hope to retire by age 72. In or around 2002, I consolidated my law school student loans with my then husband into both a FFEL subsidized and unsubsidized loan. The total amount consolidated was roughly $42,000. As fate would have it, ... Read More »

“Dear Steve, Im 49 years old, gross about $60,000 a year, im about $27,000 in debt want and need to get this debt off my back , tried doing it myself, writing creditors, obtaining credit reports, etc, some of my debt is so old its been sold off to other companies over and over. I’m thinking about getting a debt ... Read More »

“Dear Steve, $27k in revolving debt and another $20k already set up in low rate repayment schedule loans of debt. I just want to know if any banks offer consolidation loans for a 7 year term where they take our cards, issue payoff checks and cut our cards, anymore? I so want to pay off our debt the right way ... Read More »

“Dear Steve, I applied at LendingClub.com and at Prosper.com for a loan to consolidate my debt. I was declined at both. I have been trying to find a solution to consolidate my debt and eventually eliminate it. No places simply want to provide a loan. My credit score is good (690 ish). What other steps should I take to consolidate ... Read More »

“Dear Steve, Thank you so much for a great site of information! I just contacted LendingClub.com and was approved for a little under $30k. I was looking for the full amount of $35k, but no need to get greedy, right? LoL very thankful for what was offered. My question involves what exactly to pay off. 5 credit cards totalling just ... Read More »

“Dear Steve, Total credit card debt due to starting an unsuccessful business that was good for about a year and a half then crumbled with the economy. Both lending club and prosper have denied me loans and my credit rating is 720. I am never late paying anything but am drowning in debt. I don’t know where to turn to ... Read More »

“Dear Steve, Ex husband co-signed on private student loan while married. There is a balance of approx. 11,000 left on the loan amount. My credit is bad, and I have not been able to refinance in my own name, of course Wells Fargo will not do it because it is better to have 2 signers responsible for this than 1. ... Read More »

“Dear Steve, Approx. $25K in credit card debt. Using 75% of available credit and making minimum payments. Tried the home equity route already and was denied. Have a credit score of about 706. I would like to obtain an unsecured loan to pay down debt, but using 75% of my available credit is probably going to hurt me even if ... Read More »

“Dear Steve, I’m overwhelmed with debt and I need your advance once again. Steve, please tell me the best debt consolidation companies? A company that will get the job done and put me back on track with my finance. I have always trusted your advice. Please help!!! Thanks again, Gene” The Answer Dear Gene, Thanks for coming back for advice. ... Read More »

“Dear Steve, I’ve got more money going out then I have coming in. I am behind on several credit card accounts and I can no longer afford to pay everything due. I can’t get a consolidation loan because I have to high debt to income ratio. I have thought about filing bankruptcy but there are certain things I wouldn’t want ... Read More »

“Dear Steve, We have a lot of credit card debt due to losing almost a year in income to care for an ill family member. We own our home. We have zero late(s) on anything – all debts current and paid on time. We short saled a home in 2009 and do not owe a balance. We’re both employed and ... Read More »

“Dear Steve, Currently have 4 outstanding debts: Student Loan: $6,549.39 3.5% – making monthly payments of $827.25 Student Loan: $3,721.63 3.0% – making monthly payments of $537.00 Student Loan: $2,749.59 4.875% – making monthly payments of $399.23 Car Note: $5,136.86 1.9% – making monthly payments of $647.85 Current savings: $39,000…~$55,000 in 401k No other credit card debts or obligations Salary ... Read More »

“Dear Steve, Completly in debt due to being young and stupid. was married; got divorced, not reciveing child support, etc I am trying to find a way to imporove my credit score and pay off old debts. i was told a GOOD (get out of debt loan) Loan may be an option for me; I was told that the loan ... Read More »

“Dear Steve, I’ve been reading through your page and am still unsure what I should do. I’m a single disabled mother of an epileptic 14yr old son, just diagnosed on 11/11/11, I have been on Disability since 07′ and for the most part have been doing an amazing job of just getting by. Recently I’ve been cleaning up my credit ... Read More »

“Dear Steve, I AM RETIRED LIVING MOSTLY ON SOCIAL SECURITY. I USE TO WORK PART TIME, 20 HOURS A WEEK, DO NOT ANYMORE. I HAVE AN RV, TRYING TO SELL HOUSE AND GO FULL TIME RVing. Mike I RECEIVED A FLYER IN THE MAIL THAT I AM PRE-QUALIFIED UP TO $45,000 WITH RESCUE ONE. (Fixed monthly payment) respond by March ... Read More »