First off, did you take out Federal Student Loans or Private Student Loans or both while attending school? This makes a very big difference due to the fact that under the Free FFELP Consolidation Program you are unable to consolidate your Federal Student Loans with your Private Student Loans.
One thing to keep in mind is [...]

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Credit scores are numerical indexes based on an algorithm developed by Fair Isaac Company, called a FICO score. Scores are negatively impacted by events such as late payment, incomplete or partial payments, defaults, and judgements or liens, and range from 300 to 900. The actual algorithm is a trade secret of Fair Isaac, but the [...]

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    1. Cash or material with a promise to return with interest / premium taken from anybody is a Loan.
2. It may be for meeting your personal needs like wedding / education of your kids, your materialistic attitude, your bad habits, buying expensive gifts for your girl friend. However, if it is taken judiciously [...]

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