Debt Consolidation Paradise Valley AZ

Repaying students loans may be difficult for a recent grad that is still looking for a job. It can also be stressful on any grads that are still struggling with payments. It’s important to take action and maintain contact with lenders. Ignoring student loans causes too much problems that are easily avoided. Here you will find advice on private student loan consolidation, debt forgiveness, debt counseling and debt relief. Please scroll down to learn more and get access to all the debt consolidators in Paradise Valley, AZ listed below.

Health Care Credit Solutions
(480) 281-8600
6720 N Scottsdale Rd
Scottsdale, AZ
American Security Mortgage
(602) 390-9452
8502 E Via De Ventura Suite 140
Scottsdale, AZ
Hartwest Financial Inc
(480) 596-5151
9805 E Bell Road #120
Scottsdale, AZ
Private Debt Solutions LLC
(480) 443-0313
15115 N Airport Dr Suite 5B
Scottsdale, AZ
A plus Credit Card Debt Consolidation
(480) 409-0447
2000 E Rio Salado Pkwy
Tempe, AZ
Prices and/or Promotions
Free Debt Analysis

The Wesbrooks Law Firm PLLC
(602) 262-4357
8151 E Indian Bend Ste 115
Scottsdale, AZ
Global Debt Solutions
(480) 429-3807
7201 E Camelback RD
Scottsdale, AZ
Reverse Mortgage Concepts
(480) 306-4432
9915 E Bell Rd Suite 114
Scottsdale, AZ
Private Debt Solutions
(480) 443-0313
15115 N Airport DR
Scottsdale, AZ
Debt Consolidation Phoenix
(480) 588-2646
40 N Central Ave
Phoenix, AZ

Private Debt Consolidation and Debt Forgiveness

By Stuart Schultz

Pre-paying all your loans, consolidating through the government, and fleeing the country are not the only ways to deal with your debt. You can also ask your parents to handle it!

That's true, but it's not what this article is about. Instead, we want to talk about what you're options are if you are either A) dealing primarily with private debt, or B) unable to afford any sort of monthly payment scheme. For you, private loan consolidators or forgiveness programs may be the ticket to a life without debt.

As noted in our student debt consolidation article, it is possible to consolidate both government and private loans through commercial (e.g., non-federal) debt consolidators, but if you only have private loans than you are forced to go this route.

Private Debt Consolidators

Prior to the credit crunch, there were a ton of consolidators who dealt with private loans (as opposite to government-issued Stafford loans). In fact, many of them also offered to consolidate government loans as well. Sallie Mae and NelNet were amongst the best and most reputable, but even they have stopped their consolidation services until the credit environment improves. We aren't going to recommend any private consolidators here, but we can give you the know-how to find the best one for your situation. Needless to say, all of the information we've shared about consolidation through the government still applies, so you should review the basic of student debt consolidation before proceeding.

What should I look for in a private consolidator?

The first step towards finding a private consolidator is calling your lender (the organization that originally lent you the cash for college). You'd be surprised, but many of them may offer to consolidate your debt rather then have someone else do it. Problem solved. However, if they don't, you can always ask them for recommendations. Here are some red flags you should look out for when vetting a recommended consolidator:

  • Make sure that they can never resell your debt.
  • Only ask for fixed rate loans (unless you want to ride the market, but we don't think it's worth messing around with your debt).
  • There should never be an early repayment penalty.
  • Never give your Social Security Number until you've chosen a consolidator and are ready to consolidate. If you call a company and they won't provide you with information without getting your social, then something fishy is going on. On the flip side, don't be afraid to share how much debt you have, your interest rate, and the types of debt you carry as long as you don't give any personal information away; this information can help them determine your best options.
  • Finally, while it's not the most friendly service, be sure to check with the Better Business Bureau to see if there are any outstanding complaints against the consolidator you've found.

Ultimately, the reason why private consolidators are generally less favorable t...

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