Debt

School loans

Sandie Sawyers
How do I find out who my original lender turned my account over to? And also which is better, credit karma or credit sesame?Read More...

Loan

Scott Blank
I used my vehicle for collateral on a high interest loan. The payment is getting harder to make. Is there anything I can do??Read More...

Payday loans

Natasha Alston
I have multiple payday loans due to a very rough finanacial patch. My payday loans are eating up my paychecks and putting me deeper in debt. How to I pay them off quickly when there is not enough money for anything extra?Read More...

School Loan Forgiveness

I went to college at the age of 40 to get my degree and I went part time so it took me longer than normal. I racked up alot of school debt and have been paying it off. I am now 65 and and retired. I checked into loan forgiveness but am not sure I would be eligible. I worked 37 years for the Federal Government. I only have a little over 9,000 left to pay but with other bills it is hard making ends meet. My loans are through Navient. Has anyone else gotten their loans forgiven?Read More...

Student Loan - Public Service Loan Forgiveness (Income-Based) - Payment Decrease?

I just recently sent my information in for the income based student loan program under the public service loan forgiveness program. I noticed that my monthly payment decreased even though my salary increased (modest increase). Does this typically happen after you have been paying your loans for awhile? I have been paying for about 6-7 years now and every year it increased, but this year it decreased.Read More...

Debt consolidation help in Canada

JKO
I have close to 50k in debts, almost half of which is student loans and the other half credit cards. I recently got my first good job since relocating to Canada as a skilled immigrant almost 8 years ago with 4 children, and am trying to be more financially strong. I heard on radio about debt management nonprofits (in the US) that help consolidate one's debts, but have not been able to find any in Canada. I also heard that with debt consolidation, one can get credit card debt renegotiated and...Read More...

Emergency debt

Alisak
At only $740.00 month disability income the $500.00 vet bill will be extremely challenging to pay off before the 28% interest kicks in through care credit. I’m having no luck finding programs, grants, forgiveness loans Ect..I’m considering GoFundMe type platform but know very little about those. My emergency fund was first to go, my credit score is 740. Any tips,advice, links, support, and prayers welcome. I have to take her back to hospital today if she holds out until I get a ride to...Read More...

The Snowball Method for Paying Off Debt

Moore Income
I am curious to know if anyone here has used the Snowball Method for paying off debt and what the results were. I personally have done it a little differently (more like the avalanche method), only because certain credit cards I owe on are still under a "no interest" sign up bonus. To me the snowball method seems like a pretty effective way to do it. What are your thoughts? Have you tried any of these methods? What are some helpful tips you have used to pay off debt?Read More...

I Need Debt Consolidation Knowledge

Bob Swift
I was reading this article but I did not find anything related to debt consolidation . I want to get a brief knowledge of it. Once I visited and they were saying through their article that before consolidating multiple debts you need to take the advice from an expert in this field, technically they were right. But I want to make the decision about whether I should go with this theory or not. Look my background is bio-science and I don't know much of it. I need knowledge, not any advice.Read More...

Writing

Gary Kleinberger
Im an unpublished author who is good at what i do who wants a book deal. Its hard if you dont have funds to self publish since tryin to find these do it all for you publishers is a miracle. What can i do? Been writing and waiting for 20 years. Tried myself before i have an editor who corrects my work. Any suggestions or help anyone? Any publishing company editors who will allow me to show you what i have?Read More...

Balance transferring

Judi McGraw Vandeveer
Hello: This is my situation, I have 3 open credit cards, Visa, Quicksilver Capital One, and Discover. In total I owe $2,300.00 I was recently approved for another credit card, with a credit limit of $3,000.00, I am also getting a tax return of $ 1350.00. The balances on these cards have all had timely payments, so there's no problem there ,but here is the problem, without going into all the details, I was forced into an early retirement, and I'm currently just living on my widows benefits...Read More...

Wells Fargo

Mark anthony Gonzalez
Hello i had fallen into hard times but I'm trying to rebound and be a stand up person and do the right thing and pay back my debt but Wells Fargo closed my credit card and a personal loan i had with them and I've almost been paying them back for the past 5 years but was wondering if anyone knows if they have the right to increase the interest rates every time time there is an interest increase by the Fed's since they closed both accounts ? Shouldn't the rate of the apr stayed the same as...Read More...

Car loans

Jennifer Thurs
So my car loan is keeping me from getting a mortgage. My debt to income ratio is too high. I tried getting a small loan for a mobile home and was denied. I dont think I will ever get my own place. Might be stuck in an apartment the rest of my life.Read More...

Low income high debt

Sonja Setoute
I had to leave my job suddenly for personal reasons which left me unable to make payments for 6 months until I found a new job. The new job pays less and I'm barely about to make payments on one card/loan. How do I handle this?Read More...

How do I build my credit with a credit card?

Swayla Monche
Hey, I need more information on how does building credit with credit card works? I never understood it. What does it mean to only spend 30% off the card? If that makes sense. Anyone with accurate info about this would be greatly appreciated.Read More...

Should I do a balance transfer

Christine Corsaw Van Duys
I have a balance with a credit card with 20.74% interest rate. I have a credit score of 765. Would if be helpful for me to get a new credit card that offers 0% for 15 months? I really dont want to mess up my credit score if I open a new account.Read More...

raising credit (FICO) using the snowball effect

maria rose
I recently questioned Pennyhoarder about the sudden hit to my credit (FICO) score, which I thought had to do with Synchrony Bank taking over 6 of my credit cards. I decided to not use (unless totally needed) every one of those cards until I eliminate the balances, using the snowball method. Using a credit simulator, this effort should show some (not much) increase in my FICO score, even with excellent no missed payments. I found out today, that this is a result of a change in what is...Read More...

Student Loan

Gia S.
I have had a outstanding student loan since 1986! They are now taking 40.00 from my SS check. Is there anything I can do since the school was bogus to begin with, and closed down a few years after it opened. ThxRead More...

Son has gotten himself into a credit card mess!

PS
Hi there all! New year, new member! I am writing for advice on how best to help my young adult son navigate his way out of $4,000 worth of credit card debt. If you have been , or know someone who has been in this situation, what strategy worked for you/them? What do you all feel about debt consolidation loans? We really need help directing him as the stress of this debt is causing him some major anxiety and panic attacks. Any suggestions/advice would be greatly appreciated!Read More...

Refinancing without a co-signer?

Gabby
Hey folks. I'm 24, with a little over 11k in student loan debt. I've heard a lot about refinancing, but everywhere I look to get decent rates I need a co-signer and I don't have anyone I could ask to fill that position. I've done well; even managed to pay off 3 loans over the past few years but I'm interested in how much I could be saving. Even just a personalized loan option with a lower rate would be appreciated. Any tips/recommendations? I've managed to pay off my previous loans with some...Read More...

Student loans

Rehemom4
Does anyone have advice for out of control student loan debt? I can’t afford the monthly payment no matter what plan they offer.Read More...
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