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Perhaps decide to try Borrowell or Grow (formerly Grouplend). They will have more competitive rates.
You might make an effort to get some good charge cards with low-value interest stability transfer provides. MBNA Platinum Plus for example, provides a 0% interest balance transfer for per year.
Additionally, you do not gain by consolidating your education loan unless its in bad standing and you also can not rehab it.
Years ago, whenever my credit had been very cheap, a creditor forced me to seek that loan from Citi because they were “easy”. I knew I would fail and merely deliver the rejection letter towards the creditor, which just then I would ike to negotiate a repayment arrangement. I did not really desire the mortgage, and while I did not understand much about finance, I did not observe how most likely spending greater interest to just one more creditor would enhance my situation.
Citi would just I would ike to borrow at the least $1000 (whilst in the opening, it can just take less to fulfill the creditor), and since we now understand they just provide sky-high rates of interest, i am much more happy they rejected me personally.