Student Credit Card Debt

Repair America's Credit specializes helping people improve their credit through College Student Debt Consolidation.

College Student Debt Consolidation works in a number of ways.

Here are the most common solutions for College Student Debt Consolidation…

Take out an unsecured consolidation loan
Refinance Your Home and pay off your debts
Consolidate into a Debt Settlement Program

Here is a breakdown of the above…

Taking out an unsecured consolidation loan does not eliminate any of the debt. Instead you have grouped it all into one loan which results in one payment which hopefully will be slightly lower than the many payments added together. While this is a viable method, the question is, when can you really pay this loan off? All you have really done is shifted debt from many into one at a comparable interest rate. And please don’t think that a 2-5% reduction in rate is anything significant that will make a difference in what you pay for financing the debt by the time it is free and clear.

Refinancing Your Home to pay off debt can seem like the smart thing to do if you own a home.

The interest can become tax deductable. The payment SEEMS to be lower but remember it is now spread out over 30 years instead of the five years we are used to, so this is a false sense of security. Not all mortgage interest is deductable so check with your CPA to find out if you are really looking at a viable option.

In the end with the Home Refinance option, you are taking unsecured debt and placing it into your home. This means you are taking debt that if your world fell apart, you could just skip out on and take a hit to your credit and that is the worst that would happen and now placing it into your home where if the same situation happened you would loose your family’s home for it.

In the big picture, refinancing your home does not make sense for consolidating debt.

Eliminating Debt or consolidating payments into one smaller, more affordable sum to accomplish a debt settlement is the only way to go.

Repair America's Credit is able to settle debts for up to a 70% discount or more without putting your home at risk or placing you into a program that counts the same as a bankruptcy on your credit.

Please explore the opportunity that we have to offer you.

You can do so by completing our simple for and we will contact you right away to discuss the options we have for you.

While we offer to work debt solutions to as many people as possible, not everyone will qualify to work with us. Because of the demand we are facing we have to ask the following criteria of our future clients…

Anyone who wishes to work with us must. . .

Have at least $10,000 in debts
Have a desire to eliminate debt and regain freedom
Be Willing to listen to our advisors as we guide your through our process
Be Motivated to be debt free in 18 – 36 months
Be Committed to staying on proposed program to completion
Be Ready and Prepared to take their Life Back
Be Serious about Eliminating Their Debt

If you want to be debt free in 18-36 months while maintaining a payment that is comfortable for you, then all you have to do is complete our simple consultation form, on the right side of this page, and we will be in touch with you right away.

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