Debt Problems

I need help with some debt problems?

I have the following in debt: $25,000 - Privet student loans $12,000 - Federal student loans $10,000 - Medical Bills $4,000 - Credit Card I will be graduating this spring and I am looking for the best way to consolidate these debts together (though i may not want to include the federal loans) anyone have any ideas where to turn. Thanks

Public Comments

1. Got find a job first, then it depends on how you want to handle these. As for credit card and medical bills..... if you can work out a payment plan with them, that will be great to do it in installments..... and ask them to lower interest. (Very very bad way to do it, it wait for them to "settle" with you.... go check out the credit settlement online, but this is bad for your credit for 7 years). Not sure whern you are the private student loan from... so work out with the private party. I don't think you can do much with federal student loan :-(
2. First I don't know what line of work or career your looking for but you may not be able to consolidate all these debts together. Look at the financial companies you have your student loans with. You maybe able to put those together. But they would be the last ones to be payed off, only because the interest is the lowest not because the balance is the highest. You want to pay your credit card off first. After it's payed off, then take that payment and add it to your medical payment. Once your meds are payed go after your student loans. I've helped others do this plan and they are in their 40s. Don't let that happen to you. AS you do this start putting money away even if it's only $25 a month or try 10% of your ernings. 3% in an emergence acct., 3% in a long term to buy that new what ever and 3% for retirement , 1% for fun. As your income grows so will your saving habits.
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