sorry, I’m not normally the type to have two different threads going in one forum, but this is kind of urgent…
I know I need to consolidate. I have about 10 different loans and a lot of debt, so no matter what I do, the payments will be insane, but I’d much rather not be getting 10 different pieces of paper telling me I owe money every month.
the thing is, I know literally nothing about consolidating. I don’t know how it works or how it will affect me at all, except the vague notion that it will be “better in the long run”. most importantly, I don’t have a clue how to distinguish between the thousands of companies sending me crap in the mail, telling me they’re the best place to consolidate.
I only have three days, so I definitely need someplace that can accept applications online, but beyond that, I don’t know what to look for. can anyone help?