Where to get consolidating loans

A personal loan can be a quick source of cash, typically without the high interest rates of a credit card or credit card cash advance.“It’s certainly an option you don’t want to ignore,” says J. Montanaro, a certified financial planner professional with USAA.The loans are also easy to apply for, compared with a mortgage or home equity line of credit, and you’ll get a quick decision as to whether you’re approved, Montanaro says.If you are, the money will typically show up in your bank account within a few days.A personal loan can be a good way to consolidate existing debt, such as credit cards, says Kathryn Bossler, a financial counselor at the nonprofit Green Path Debt Solutions. You may be able to lower your monthly payment and interest rate.” As of November, the last month for which figures are available, the Federal Reserve reported the average rate on a 24-month personal loan was 9.7%, while the average rate on a credit card that was assessed interest was 13.7%.Some personal loans carry rates of 6% or 7% for the most creditworthy consumers.In addition, if you plan to go back to school, you will not be able to access further federal financial aid until you have gotten your loans out of default.

If the loan/grant is not one of the program types listed above and is not assigned to the U. Department of Education, the information on this site does not apply to you.Sometimes, the loans are unsecured, which means you don’t have to put up collateral, like a house or car.The rate you pay is based on your credit history and credit score.When a rate is advertised as variable, it means that it could go up or down.Fixed means your interest rate won’t change for a set period of time.To proceed, select the user link below that applies to you.

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