Consolidating school loans citibank

It’s very similar to a “traditional” balance transfer.

In some cases, you may be able to call a representative from the credit card company and give them the loan account information.

You can transfer the ,000 from Credit Card A onto Credit Card B (you may incur a balance transfer fee, depending on the offer), and pay 0% APR for a select period of time instead of the 15% APR you were paying.With a 0% APR, your payments go directly toward the principal of the balance.There is one catch, though – you must be able to pay off the balance by the time the 0% APR promotion expires.People who have been completely responsible with credit in the past (they haven’t missed any payments, and can afford to pay extra) would be the best candidates for this strategy.They simply have debt that’s costing them too much.

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Check with your lender first to see what payment options are available to you.

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