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Answer by The WingHunter
just put it in ONE name
either yours or hers

preferably yers
so u own it and get all the credit

unless yer married dont let yer GF on yer loan papers silly

Answer by infinite crisis 247
talk to a lawyer. you would have to sign a quit claim deed on the house. you would also have to clear this with the lender. your girlfriend would have to concur to this. it might be easier to either sell the home or for her to refi solo. that is, if she can afford it. if not, there is no legal framework to handle this as you are not married. this is exactly why nonmarried couples should not purchase homes. when the breakup comes, it’s a royal mess.

Answer by reenzz
If your ex refuses to refi into her /his name alone…I’m afraid your out of luck.

Maybe a very costly lawyer you help you out of this mess.

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Answer by just not that
my advise is NOT to consolidate. It will just restart your payment history (if you have 10 years to pay off all your loans, after you consolidate you will have 20 years of payments now). In the long run, consolidation costs you more money.

Best thing you can do is to get a second job (and ask the spouse to get one too) and pay as much as possible on your loans to pay them off… and make sure you pass on your new found knowledge (don’t grant your child to enroll at a for-profit school). lesson learned…!

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Answer by CatDad
The only way this might might happen is to have a cosigner with great credit and a qualifying income.
18-21 year old are assumed to be extreme credit risks. The only way you might get a automobile is to purchase from one of those awful “Buy Here, Pay Here” type lots. Save your money and purchase the ideal used automobile you can.
- To build credit: Get a secured credit card and use that to build a history of paying on time. This is where you put up a deposit and your credit limit is equal to that. For example, you put up a $ 300 deposit and you get a credit limit equal to $ 300. In general, most people can get this type of card. Strangely enough, you can also be declined for these cards too even though the bank has zero risk.
http://www.youtube.com/watch?v=Pq0BEmEXMaw&feature=related

Answer by bdancer222
There is no way you will qualify for a $ 20K loan with no credit history. You might not even qualify with a co-signer.

When you turn 18, you can begin building your credit. The easiest way to begin is with a credit card. You will probably have to begin with a secured card — you pay a deposit which is held as collateral against the line credit. Use the card, wait for the statement, and pay the balance in full each month. In about a year you should be able to get a regular credit card and/or convert the secured card to a regular account. At that time, you should get another credit card and use both. That will expand your credit history.

You will really need at least 24 months of consistent, on time payment history to get a decent score. Even with a 2 year credit history, you will need a 2 year employment record and a very good salary, along with a sizable down payment to qualify for a loan for a new automobile without a co-signer.

Maybe you should just save up and pay cash for a good used automobile to start.

Answer by Judy
Open a checking account and make regular deposit. If you have a good job, speak with your local bank for starters and then if they turn you down look at some of the lenders at the ref site that offer business or personal loans for any type credit.

http://www.simple-small-business-ideas.com/unsecured-small-business-loans.html

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Answer by nick k
It has to be refinanced for her to e taken off. Usually the divorce decree would have some mention to this. IF he is late on the payments her credit will be damaged, there is nothing she can do unles they refinance the loan.

Answer by valstpatrick
The mortgage obligations and responsible celebration should have been spelled out in the divorce settlement agreement. If the husband is REQUIRED to remove the wife, then the judge would have given a specific time period to get this done (usually)

If the home was to be sold and equity split, then she has to wait until that happens. The lender will not just remove a borrower, they will need to refinance the loan in his name only.

Good Luck

Answer by Mildred S
loan has to get payed off or a new loan needs to be taken out. what do divorce papers state ? she needs to talk to her own attorney.

she should not continue to be on a loan that she is not responsible for as it can impact her and your possible future if you end up a couple.

she needs to have the court amend the divorce papers to instsruct him to refinance the loan . getting of the deed of trust is easier than getting off of a equity loan. they will want to keep her name on the loan in case he does not pay they will be able to collect from her. she really needs legal advice.

good luck.

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I would also like to know how this will affect my credit score. Is it superior to have an X amount on credit cards, or have that same amount on an equity loan.
Thanks
I already know the whole “you shouldint have gotten yourself into debt” speech. My husband and I paid for our own wedding, therefore the debt.

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Answer by snwbm
Don’t rely on home loans to pay credit card debt.

The primary difference between credit card debt and home equity loans is that the latter are “secured” loans. You have pledged your home as collateral against the amount you borrow. If you fall behind on your payments for any reason, you could potentially lose your home.

In my experience, when people borrow against their homes to eliminate credit card debt, they typically just slide right back into it — at the same level or worse — within two to three years. That is because even after wiping the slate clean, they do not change their spending habits. They max out their credit cards all over again and find themselves in an even deeper hole.

Is it possible to use your home equity to pay down debt and then stay out of debt? Of course, but generally those disciplined enough to pull this off do not let their credit cards run amok in the first place.

Instead, I recommend calling your credit card company this day and asking to have your interest rate lowered. It’s a easy phone call that takes all of five minutes. For more details, read my earlier columns “Five Steps for Ditching Credit Card Debt” and “What Credit Card Companies Do not Want You to Know,” and check out the reader comments for more great tips on getting out of credit card debt without using your home equity.

Answer by Irish
Shouldn’t be any problem at all. They are always pushing loans. Go to the bank where you have your mortgage. That is a good choice to pay off the credit card as I assume it has a high interest rate. If not, do not do it.

Answer by ed m
why borrrow money to pay off debts — i yet to have anyone come up with a pro for doing it — just downsize a tiny and quit charging and pay off you debt highest interest first until you get back in control — more folks lose there homes this way!!!

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Answer by jojo
try toyota they can scheme anything…good credit/no credit…

Answer by aobatkaro
go Afghanistan

Answer by Skittles
I think your ideal bet right now is t go to the dealer and suck it up. It will take a while to fix your credit. However if you can you might be able to get a cosigner and that might lessen the interest rates and all so that you can get one from a dealer. Also if you are part of a credit union… good move here… then they can help you out with cash and loans. You might have to wait or get some collateral to put up. You can ask for a private loan or take a cash advance from your credit card but like I stated the interest rates will be ridiculous there too. Good luck.

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Answer by varun
hey im work in citibank student loan and u can do that
and \happy studying

Answer by stressedandconfused
What do you mean when you state you have a passport in Spain. Are you a Spanish citizen? US citizens do not need visa to travel to Spain. If you are going to school there you should check the website of the school you are interested in to see what is required of you to obtain a student visa.
Here is the link to the schools admissions website that tell you what you need.

http://www.lesroches.es/les_roches_marbella/en/en-en/index.cfm?page=/les_roches_marbella/home/admissions/visa-requirements-process

When you apply for a loan from a REPUTABLE lender here in the US you will be required to give details as to the purpose of the loan.

Answer by Caroline
For a student to finance his educational costs had never been as easier as it is now. Earlier on if you or your family could not support the educational costs then there was no hope of continuing studies. But now the student loans have changed the entire scenario. You will now do not have to worry but to make your mind to reach your goal. These loans will help you to get what you want in each and each step.If you want to adopt these loans for your higher studies than the amount required will be bigger. However, based on the type of the course the expenses vary and on this basis you can select to pick either the secured or the unsecured loans. Keep your valuable asset as security and get the secured loans. Amount offered is higher in it.

http://www.worldbestloans.com/

For the unsecured no collateral is required and the amount offered is small. So, it is essential to compute the total stipulation of finance for picking the right loan.Such loans will not let you spend extra money while you pursue the course. Right from the admission in college to habitation, buying study materials, foods, travel expenses, medical expenses and classroom projects are being financed by it. So, there is no scope for the student to think or to take tension about all those things.For repaying it too you will not have to bother much. As soon as the course gets finished you can begin repaying the loan. If not that you can repay the loan after getting a job too. The rate of interest too is kept very small in it.

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Answer by Fort Sill Army Wife
First you were not approved, you were pre approved and pre approvals are known to fall thorugh at the underwriter, only the underwriter can actually approve you. If you are denied by the underwriter there really is not anything you can do. You cant get your money back fro the inspection and appraisal, they preformed a service for you.

Answer by Heather
I work for a lender. If your loan was approved then rejected or denied it probably means your loan was approved on an automated system that gave the approve but that lender you went with had an overlay guideline saying you could not have over (maybe 50% debt to income ratio) so THAT lender would not be able to take the loan. Your DU/ LP approved/approval should be given to another lender to look at. If you went through a mortgage broker they should be able to submit your loan to another bank no problem. If you went directly to that lender who denied you, you will need to try another bank with a copy of your application in hand.

Answer by Alterfemego
If you do not have the cash to do the things required to purchase, then you need to wait until you do.

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Answer by Laff
CAPITALONE.COM
ELOAN.COM

NO, DON’T GET FINANCING FROM A DEALER!!!!!!!!!!! THEY WILL STICK YOU WITH A HIGH RATE SO THEY CAN GET MONEY FROM THE BANK FOR STICKING YOU WITH A HIGH RATE. DUH.

Answer by Randy
Go to a reputable dealer. They will arrange financing for you.

Answer by Worst Answer Ever
Go to the automobile dealership. They have finance departments there, and while they go through banks, you do not have to physically go to them.

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Answer by Teddy & Chiliswoman
Have you asked for loan repayment forebearance while you are unemployed?

Answer by Flower
Find another physician to sign the forgiveness form. After that happens, they will send physician a long questionnaire. Then it takes 3 years before you are actually finally discharged because they give you a conditional discharge first. I started in 2008 and am still waiting for the final discharge. In the meantime, you just get a deferment for economic hardship each year. I did that for 6 years.

Answer by Justmeinthisworld
can you work in any capacity? then you should…you are granted to work a tiny on disability

if you cannot work in any capacity—-than find a doc that will sign

can you work a little–only making a few hundred dollars a month—that might still be considered disabled for loan forgiveness–check into it

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