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Citizens Financial Group is offering refinance to those who have Federal Student Loans and a minimum of $10,000.00. Please visit the Wall Street Journal for more information: http://blogs.wsj.com/totalreturn/2014/09/16/student-loan-borrowers-have-chance-to-refinance-at-lower-rates/?mod=yahoo_hs Here is the link to Citizens Financial Group: https://www.citizensbank.com/ As I always do on here, make sure you fully understand the ramifications of converting federal student loans into private student loans! Just be aware that private student loans DO NOT offer the same consumer protections as private student loans so you must weigh the pros and cons before going this route! **This is for informational purposes only and I DO NOT endorse any company, products, or services***

John Oliver discusses student debt, which is awful, as well as for-profit colleges, who are awfully good at inflicting debt upon us. https://www.youtube.com/watch?v=P8pjd1QEA0c

I'm new here, so I'm unsure if I'm posting this correctly. My fiancé and I found a house that we were interested in buying. We know credit isn't exactly where it should be due to lack of credit, so we weren't set on the idea just a general idea of where we were in credit terms. Back in 2007 my fiancé's father helped him sign up for a private school to finish his HS diploma. This was Penn Foster and it wasn't exactly an installment loan, you just made monthly payments until the tuition was paid in full. At the time my fiancé was 17 years old, the agreement was his father would help him pay out of his college savings. However, his father spent the money and that's a whole other topic.. The account was left in negative standing in 2008. On his most recent credit report pulled today it shows they last reported in Jan. 2013, so this looks like a fairly new account, when in reality it was opened 6-7 years ago. My question Is there anything that we can do about this? The loan officer brought up this account and mentioned it was probably effecting his score because it looks like a new account. I don't think he has anything stating when the account was opened because it was so long ago. I originally thought they couldn't keep things new like that? I also wanted to ask about creditors taking things completely off your credit report. I know that once things are paid that it will be shown on your report however it still looks bad. He also has one utility on his report that we wanted to try and pay this month, but I wanted to know if there's a way to have it completely removed once paid. And one more question. I have one collection on my account which I have disputed 2-3 times, it's been removed and then it shows up again! Why is that?

I've been reading through these forums, with some hope that I can turn my life around. I'm in my mid 40's, got my master's degree later in life and have what I believe is a daunting amount of loans, none private. The amount is $95k or so and that is with paying out of pocket for my first two years of undergrad. I have a severe learning disability that prevented me from being accepted for a master's program at public institutions so I was forced to go with the one private one that did accept me. I graduated, but have struggled to make a liveable wage, until now. Lucky me, I now make the most I ever have, at $45k, which would be absolutely liveable if I didn't have student loans that I hadn't addressed because I was making as little as $16k and only as much as $30k for several years. I am no slacker but see my debt as incredibly overwhelming but want to change my credit score around. I see people on here stating that the rehab amount would be 1% of the loan, but for my loan, that would amount to nearly $1k a month, leaving little for anything else. I drive a crap car that regularly needs repair and I can't get a car loan because of my student loans, so I keep paying for expensive repairs on a small Chevy (in case anyone thought I was living large,lol). I don't really have a choice but to rehab, but wonder if anyone has experience where the rehab amount is more reasonable? At the end of the month, and this is with my currently low rent which will rise when i'm forced to move out of a temporary living situation, I have little left for anything. I don't go to movies, no vacations and don't buy much of anything. My clothes are from thrift stores and the only new clothing I buy is underwear. Any thoughts or suggestions are greatly appreciated.

http://gma.yahoo.com/public-school-offers-86k-keep-autistic-boy-130414447.html http://www.dailymail.co.uk/news/article-2412313/Autistic-boy-offered-86-000-kept-public-school.html