Credit plus Student loans

I highly recommend consolidating your student loans through an actual Student Loan consolidation plan. This will get you very low apr and very manageable payments. I would also look into this TODAY! The rates are scheduled to go up on July 1, 2006. There are many companies out there who consolidate student loans, but I recommend Edfinancial. They are very helpful and will look up your loans for you. I would think you could combine the fiances student loans with your own (talk to the consolidation company about that).

As far as your credit card debt goes - that would have to be seperate from the student loans and it works differently than student loan consolidation. Instead of a new loan paying for the old, you instead just consolidate your payments into one payment through a company than handles the monthly payments for you. It's a very good plan and you'll pay that off before you know it!

Ehwin---I get so many of the offers to consolidate my student loans, that I don't know one from the other. Do you have a number or website you could PM me. Thanks!

I just PMed you - let me know if you need anything else!