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Debt Relief – Insolvency – Bankruptcy Information » Debt Consolidation and Refinancing » I have bad credit and debt and I need a loan for $17,000 for debt consolidation and school. Any ideas?

I have bad credit and debt and I need a loan for $17,000 for debt consolidation and school. Any ideas?

I have tryed debt consolidation places but I need to loan to be able to do it all because they dont cover some of my debt.

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5 Responses to "I have bad credit and debt and I need a loan for $17,000 for debt consolidation and school. Any ideas?"

  1. BluStar says:
    Get a co-signer or ask a parent to let you attach to their credit for a year, it will bring your score up.
  2. Halo says:
    Talk to your bank. Worst case scenarion, they’ll give you a loan (based upon your income, etc) probably with a high APR.
  3. Stuart says:
    You want to borrow money to pay off money you already borrowed? Hm. That doesn’t sound very smart.

    Pay the debts you have. School loans can be gotten from a number of sources, including scholarships, grants, and the like.

  4. umdanddvd says:
    click on my pic i list a bad credit link there
    here is some of the text straight from them
    “We have over 80 Little-known Banks & Companies that offer Bad Credit Loans, Bad Credit Home Loans, Bad Credit Auto Loans, and Bad Credit Personal loans to people with Bad Credit or even a Bankruptcy. Many require absolutely NO COLLATERAL & NO CO-SIGNERS. Home ownership is not required.”
  5. Gillian G says:
    It is possible to get a debt consolidation loan with bad credit, but not all of your debts may be eligible.

    However, consolidating what you can could be a good start. Combine your credit cards, etc into one manageable debt. There are companies that will provide this, even if you have bad credit. This should free more of your income to tackle your other debts.

    And you must do this. Don’t use debt consolidation simply as an excuse to rack up even more debt: if you do, you’ll end up going bankrupt.

    Force yourself to budget your expenditure within your income. This must include whatever it takes to repay your other debts. Cut up all but one of your credit cards. Leave the one remaining card at home, to be used only in emergencies. Pay for everything by cash. When you pay cash it forces you to understand the real value of money!

    This is hard, but if you stick to it, you’ll not only repay your debts, you’ll repair your credit as well.

    Good luck.

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