Consolidation of charge offs, student loans and judgments

You have different types of debts, I doubt if you will find a single company to work with you or not. Generally the companies that consolidate student loan are specialized in that field; hence they won't work with any other types of debt.

And conventional debt consolidation companies usually do not consolidate student loan. However, you can register with this website and get a free counseling. The consultant can show you a wide range of options. Moreover, once you are a member of this forum you can better interact with other community members too.

T&C does student loans but if your loan is with Sallie Mae forget it - Sallie Mae does not work with debt consolidation. I tried putting them with T&C and they won't work with T&C

Conventional consolidation program is not applicable for student loans. Student loan debt is nothing but debt to government. Federal government offers few mechanisms to stay current with your loan and also offers consolidation loan to pay off your student loan.

You can refinance your home, or apply for personal loan to arrange the money, however, you should know the risk you catch while refinancing.

What can Sallie Mae do if I can't make my payments? I have tried to get them to lower my payments but they won't do so. I can't afford to pay their high payment and make a living. They practically want one of my entire checks. I only recieve two a month and on a teacher salary. How do I live?