Does consolidating student loans hurt my credit score
The decision whether you should consolidate your loans is complicated.
Consolidation does not always save you money or make the loan easier to repay.
Secondly negotiate your account status with the creditors and go for a pay for delete agreement with them.
Then ask them to update your account status as "Paid in full" or "Paid as agreed". And yes last but not the least get a secured credit card.
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There is also a program where if you work in public service for 10 years, the loans can be forgiven.
Then negotiate your account status with the creditors and go for a pay for delete agreement with them.
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