http://www.american-debt-management.com/student-loan/student-loans/ Student loans helped many people through college, but they also graduated with a lot of debt. en-us Mon, 11 Jul 2005 10:34:42 EDT Mon, 11 Jul 2005 10:34:42 EDT Weblog Editor 2.0 Student loans have helped thousands, even millions of people get through college. These are people who couldn't otherwise afford an education because their parents couldn't qualify for financial aid and couldn't afford tuition. But this also leads to students graduating with some kind of degree and a great deal of student loan debt. Making Student Loans Manageable Most Federal student loans (like Stafford loans and PLUS loans, for example) have variable interest rates. And when you're a new graduate with an entry-level salary, the last thing you need is a notice in the mail that the payments on your student loans are going up. But now there are student loan consolidation programs that help lighten the load of your student loans. These programs combine all of your student loans into one, then they lock in a low, low fixed interest rate. Your rate could be as low as 1.625% in some instances, and your monthly student loan payments could be reviewed by as much as 54%. What better news is there for a new graduate than that? But you have to act before July 2006 because at that time, Congress might make the low fixed rate a thing of the past. If you have been paying off your federal student loans for a long time, and the high payments have caused you to incur other forms of debt (like credit card debt, for example) you might need help from a debt management program as well as a student loan debt consolidation program. There are ways out of debt that don't involve bankruptcy, which leaves a huge "black mark" on your credit report for about ten years, paralyzing you from making major purchases, getting a place to live and sometimes even keeps you from getting a job. Instead, opt for one of the four most basic debt management programs: Debt consolidation Debt settlement Debt consolidation loans Debt consolidation mortgages To figure out which one of these programs is best for you, simply complete our free, online secure form. This will give you access to the best, most reliable and trustworthy debt management companies in business today. We'll send you quotes and referrals to these companies within 24 hours of receiving your form, and you can decide which companies you want to contact from there. Since there's no obligation to just check things out, you have nothing to lose! Consolidate student loans today! Mon, 11 Jul 2005 10:34:42 EDT http://www.american-debt-management.com/student-loan/student-loans/consolidate-student-loans/ Consolidate student loans today. Make your payments on time! en-us Mon, 11 Jul 2005 15:19:08 EDT Mon, 11 Jul 2005 15:19:08 EDT Weblog Editor 2.0 http://www.american-debt-management.com/student-loan/student-loans/federal-student-loans/ Federal student loans can put you in debt if you are not careful in their use. en-us Mon, 11 Jul 2005 15:07:55 EDT Mon, 11 Jul 2005 15:07:55 EDT Weblog Editor 2.0