Refinance calculators consolidating loans
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Then rank your loans by interest rate and direct any extra money toward your highest-rate loans.
You’ll need a stable source of income and a low debt-to-income ratio to qualify.
She credits her success to thinking about her student loans as part of a larger whole.
“Whatever I was making, that’s what I could spend and that was it,” says Oakland, Calif.-based Valentine, who studied sociology and ethnic studies and graduated in 2013.
“If you miss a payment, it’ll bite you years later when you are ready to buy that house or that car,” says the small-business owner, 40, who admits she’s “pretty much obsessive” about her score.
Use Nerd Wallet’s credit score tool to get a baseline for your score.