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Consolidating small business debt

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For more information on debt and credit management options, have a look at our articles on debt settlement.Most negatively affect your credit, and with most programs, you still pay off the majority of your debt.What these debt solution services can do for you is negotiate with your creditors in an attempt to lower some of your debt, or you may be able to consolidate your debt down to a single, monthly payment, preferably one with a lower interest rate than what you are paying with each individual creditor.I contacted student loan guru Mark Kantrowitz at Fin Aid.org, who says just three lenders still offer consolidation: Chase, Student Loan Network, and Wells Fargo. You should also know that there are no fixed rates on consolidated private loans; your interest rate will probably be tied to a benchmark like the prime rate, so when that rises, so will the rate on your loan.Finally, if you have a solid job and a solid credit score, think about looking into a personal loan at a bank or credit union. I have a good job, but I have more than 0,000 in college loans from different banks coming due in two months. A: First, check to see if you have any federal loans, like Staffords.