don't forget the shit goes up this month

lock that shit in if you can

6/8/2006 6:02:00 PM

thanks for the reminder

6/8/2006 11:58:19 PM

woodfoot for entertainment person

-ZiP!-

6/9/2006 1:40:02 AM

i'd rather be an entertaining person
than an entertainment mod

6/9/2006 1:54:13 AM

Debt Consolidation...

Gambling...

Debt Consolidation...

Gambling...

Debt Consolidation...

Gambling...

SPAM BUSTERS BITCH!

/chappelle

6/9/2006 7:18:37 AM

i have all my loans through one lender and its still confusing as fuck

6/9/2006 1:25:25 PM

yeah same here. thanks for reminding me about the consolidation though. i have to start paying back next month.

6/9/2006 1:27:44 PM

when you consolidate, do you still keep the ability to defer them while you're a student?

cause grad school is comin' up

6/9/2006 1:39:44 PM

all my loans are through CFI

i called them like 3 times today

i ended up applying online since i wouldn't be able to get my stuff there in time through the mail

FYI rates go up on the 14th, at least with CFI, I would think other lenders would too (?)

anyway, call your lender and ask your questions-- you owe them money, they want to make it as easy on you as possible!

6/9/2006 6:56:07 PM

no loans for me

6/9/2006 9:52:57 PM

Application for Loan Consolidation
Step 8 of 8: Confirmation


You have successfully submitted your application for Loan Consolidation through CFI.

6/13/2006 1:14:36 PM

damnit, i'm with cfi and i forgot all about this

6/14/2006 1:04:06 PM

the 14th of june?

if so

i'm fucked and will be paying the high dollar shit

6/14/2006 4:19:05 PM

you made the thread - how did you miss it

6/14/2006 4:19:53 PM

IT IS THE 30TH OF JUNE, NOT THE 14TH

YOU STILL HAVE TIME FUCKERS

this is my help for the month, the rest is making fun of shitheads.

6/16/2006 12:43:18 AM

^phew, thank you

6/16/2006 2:26:06 AM

^^^because everything i'd seen said the 30th

this 14th shit was new info for me

6/16/2006 11:12:00 AM

if you did it by the 14th you would get the government interest rate...if you do so after the 14th you get a different fixed rate. Its still better than not consolidating at all, which i learned.

like the government rate is 4.7% and if you consolidate after the 14th it is 5+%

[Edited on June 16, 2006 at 1:24 PM. Reason : f]

6/16/2006 1:22:47 PM

and if you're through 1 lender...for example cfi...you fill out the first 4 pages on the lender consolidation form. the first page you fill out your info and two references...the second you don't do anything...the third page you write "consolidate all cfi loans" and check some box that says "regular payment"...then you sign the 4th sheet. Make sure your name and info is at the designated spot at the top of each sheet.

[Edited on June 16, 2006 at 1:31 PM. Reason : fff]

6/16/2006 1:30:31 PM

^ yup

you can also fill it out online & sign it using your FASFA pin

6/16/2006 6:47:34 PM

so the question for may grads is consolidate and repay now

or wait and repay in nov/dec and consolidate sometime before then

6/17/2006 3:21:28 AM

last day crackas

6/29/2006 10:23:03 PM

tick tock

6/30/2006 7:48:58 AM

consolidate now and get a hardship deference. Basically the rate will be 2 points higher in Nov/Dec and will just suck.

6/30/2006 10:08:04 AM

Is it better to consolidate or go ahead and pay what you got in order to pay it off faster?

7/2/2006 10:02:08 PM

too late to consolidate

7/3/2006 1:16:55 AM

No, it's not too late to consolidate. It's just too late to consolidate at the lower rate.

And I dunno where this after the 14th business came from, I applied after the 14th at 4.7%.

7/4/2006 2:13:08 PM