Why Can’t People with Student Loans Refinance at Better Rates?

Thirty-seven million people with $1 trillion in student debt have been unable to take advantage of historically low interest rates. Is it time to invite them to the refi party?

  • Share
  • Read Later
Getty Images

The cost of not getting a college degree is rising, new study finds

One of the few silver linings of the Great Recession has been a sharp drop in interest rates that has lowered the cost of borrowing for millions of consumers. The historic decline in rates, however, has done almost nothing for folks with a student loan.

Those with college debt have largely missed the refinance boom. Why? Congress—not the free market—sets the interest rate on the vast majority of student debt, and because these loans are not secured by collateral private lenders are loath to undercut the federal government’s terms.

Borrowers with decent credit have gotten relief in virtually every other sphere. By one estimate, low rates are saving the typical household $3,100 a year. Americans now spend 5.8% of after-tax income on consumer interest, the smallest share in 34 years and a sharp drop from 9.1% before the recession. Mortgage interest payments alone are down 30%.

Corporations and government have benefited from the refi boom as well. Companies with a stellar credit rating sold more than a $1 trillion of bonds last year, a record, and most of the proceeds were used to replace higher cost debt. Meanwhile, the federal government’s debt service has remained about the same since the onset of the recession—but only because debt outstanding has doubled.

(MORE: Schools Suing Graduates for Defaulting on Loans)

Lower rates have not rescued all borrowers. Many who have poor credit or little or no home equity haven’t been invited to the refi party. And low rates have been anything but a boon to savers, who must settle for paltry rates of return on secure fixed-income investments.

But does it make sense to shut student borrowers out of the refi bonanza? Student loan debt is at $1 trillion—of that, the federal government backs $864 billion. Most of this debt is at an interest rate higher than 6%, according to a new report from the left-leaning think tank Center for American Progress. That’s almost twice the rate of an average 30-year mortgage — and, more to the point, it is three times what it costs the federal government to borrow.

In other words, the government—standing behind these loans anyway—could refinance them at a lower rate without losing money on the loans. That doesn’t mean there wouldn’t be a cost. The government will show a profit this year of nearly $34 billion on these loans, the Center reports. This is a tough budget environment to ask Congress to kiss off a cash cow.

According to the Center, applying a 5% rate to all federal student loans with a rate higher than that would save individual borrowers $14 billion in 2013 alone. “We have options,” says Tobin Van Ostern, deputy director of the Center’s youth-focused division, Campus Progress. “We need to start the conversation and keep up the pressure for action.”

Some 37 million Americans owe money for their education. Many are older than 30 and 15% are 50-plus. A growing portion is sinking beneath their debts. More than 13% of students whose loans came due in 2009 defaulted on the debt within three years, the Center reports. Another 26% fell behind in payments, the first step towards default.

(MORE: How to Plan on Good Weather)

Many borrowers haven’t done all they can to keep costs down. The majority of those who have student debt have at least some expensive private debt even though they have yet to exhaust their limit of low-cost federal loans. Many also treat these loans as free money, tapping them for non-school expenses or deferring payments and letting interest expense build.

But we’re not talking about forgiving student loans here—only giving borrowers the chance to refi at a lower rate. It makes little sense for the federal government to protect its profit when the Feds also must absorb losses that flow from high rates pushing borrowers into default.

134 comments
StandardLoan
StandardLoan

Do you need a loan? 

Do you have bad credit? 

You need money to pay the bills? 

You need to start a new business? 

Do you have unfinished project at hand due to poor funding? 

contact us via mail 

standardloan1990@outlook.com

dannie
dannie

Do you need a financial help ???
My name is Mr terry mark we are money loan lender of financial help
company ltd at 2% Interest Rate, if you need an urgent loan do fill our
LOAN APPLICATION FORM
Full Name:
Email:
Telephone No:
Home Address:
City:
State/Province:
Country:
Fax Number:
Occupation:
Monthly Income:
Age:
Do You Have An Account? :
Have You Applied Before? :
Loan Amount Needed :
Loan Duration :
Purpose of Loan :
any kind of financial help feel free to reply via email accessfinnaceplc@gmail.com
waiting for your urgent respond soon thank you....

kelvinloaner121
kelvinloaner121

Do you need an xmas loan or any  kind of loan at 2% interest rate?
Kindly reply with
Name:
Amount:
Duration:
Phone#
via email: kelvinloaner@gmail.com
call:+2348147378914

ChuaTeo
ChuaTeo

Good Day,


I am Chua Teo (CEO) of Chua Teo Loans Firm, I'm a Reputable Money Lender who give out loans to Individuals & Companies in need of loan. Do you have a bad credit? Are you in need of money to pay bills or settle other debts? We will be glad to render you a loan service. We offer all kinds of loan at 2% interest rate. We offer loan from $2,000 USD to $50,000,000 USD, duration of 1 to 20 years.

Apply with us and get approved without stress or delay! We await your response if you are serious and interested, upon response, you'll be mailed a Loan Application Form which you'll have to fill and send back to us. Looking forward to hear from you, you can reach us via....
E-mail: chuateo_loansfirm@yahoo.com.sg

anitajones154
anitajones154

Hello,

This is to inform the general public that Mrs Anita Jones, a private loan lender has open up a financial opportunity for everyone in need of any financial help. We give out loan at 2% interest rate to individuals, firms and companies under a clear and understandable terms and condition. contact us today by e-mail at: (anitajones154@gmail.com)

AbAb
AbAb

Hello,people,beloved

I am Mary Smith am writing this
letter because am really grateful for what Mrs Clara Morgan did for me
and my family, when i thought there was no hope she came and make my
family feel alive again by leading us loan of low interest rate of 2% i
never thought that there are still genuine loan lenders in the Net but
to my surprise i got my loan without wasting much time so if you are out
there looking for a loan of any amount i would like you to email VIA
(clara_morgan@outlook.com) i wish you all success

thanks
Mrs Mary Smith

harrydavisfinanceagency
harrydavisfinanceagency

Do you need a loan? Do you need to pay off your debt? Are you in any financial mess? do you need funds to start up your own business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks or other financial institutes? we are legitimate & accredited Loan lender. We render out good loan of all kinds in a very fast and easy way, Personal Loan, Home Loan, Student Loan, Business Loan, Investor loan, Car Loan,  Debt Consolidation. stop searching and contact us via mail:   harrydavisfinanceagency@gmail.com  for the best and secured

VictorIsanger
VictorIsanger

Welcome to investment company India, we offer loan to clients who are in serious need of financial assistance you need to borrow money to invest , and pay bills . We have received your email about applying for your loan , we want you to know that we have all kinds of loans with interest below 3% , so we offer loans denominated in euro , pound. and dollars .. The loans are well insured for maximum security . Is our priority Contact us via email : investimentcompanyindia@gmail.com or call +919650553766 .

  Loan application forms

  1 ) Full Name :
  2 ) Country :
  3 ) Address:
  4 ) states:
  5 ) Gender :
  6 ) status :
  7 ) Occupation ::
  8 ) Telephone Number :
  9 ), while at the workplace .
  10 ) monthly income .
  11) Loan Amount Needed: .
  12) Loan Duration

  Waiting for your response with program details . Please do not hesitate to contact us Email : investimentcompanyindia@gmail.com or call +919650553766 , for more information.

India Investment Company
Sir Rafue Shatida

joni123
joni123

Hello Every One,
My Name is Mrs Barbara Arnold, i live in USA and life is worth living comfortably for me and my family now and i really have never seen goodness shown to me this much in my life as i am a struggling mum with three kids and i have been going through a serious problem as my husband encountered a terrible accident last two weeks, and the doctors states that he needs to undergo a delicate surgery for him to be able to walk again and i could not afford the bill for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i run to my father and he was not able to help, then when i was browsing through yahoo answers and i came across a loan lender Mr Barry James who provides loans at an affordable interest rate and i have been hearing about so many scams on the Internet but at this my desperate situation, i had no choice than to give it an attempt and surprisingly it was all like a dream, i received a loan of $35,000 USD and i payed for my husband surgery and thank GOD today he is okay and can walk and is working and the burden is longer so much on me any more and we can feed well and my family is happy today and i said to my self that i will shout aloud to the world of the wonders of GOD to me through this GOD fearing lender Mr Barry James  and i will advise anyone in genuine and serious need of loan to contact this GOD fearing man via barrylender070@hotmail.com     and i want you all to pray for this man for me

THANKS

joni123
joni123

My name Hawkins, i am from California USA, married, i have been searching for a genuine loan company for the past 3 years and all i got was bunch of scams who made me to trust them and at the end of the day, the took all my money and left me moneyless, all my hope was lost, i got confused and frustrated, i lost my job and find it very difficult to feed my family, i never wanted to do anything will loan companies on net anymore, so went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my surprise i got the loan in 24 hours, i could not believe my eyes, i am happy and rich today and i am thanking God that such loan companies like this still exist upon this fraud stars all over the places, please i advise everyone out there who are in need of loan to go for Mr.Barry James By Email  barrylender070@hotmail.com  , they will never fails, your life shall change as mine did.

RichardCary
RichardCary

My Name Is Mrs Richard Carey I want You all To be careful there.nobody can help you here or even suggest how you can get financial help.any answer of a loan lender to your question,you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a Tony Loan firm,I was referred to by my cousin,who is by name,Mr.Robert Paul Of pay day loan firm.They made my life a valuable one,and gave it a meaning.I was approved loan of $90,000.00 USD AND IN 28 HOURS after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan firm at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my relative referred me,got it cleared,and as God should have it.little did I know that my financial shortcomings has come to a final HALT .If not for that quick referral from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the father of my daughter,and my daughter (Michael) was faced with a ” between life and death ” situation ..I was faced with her hospital bills and was also faced with foreclosure at my apartment.Details of the GOD SENT and RELIEVING source won’t be disclosed to you for now, for fear of impersonation ( because it has being discovered that some persons are not really in need of financial help,but are there to impersonate real loan lenders through their phone numbers and email accounts,and acting to be them where necessary to those in real need)…I couldn’t comment on your post because it was a public place and I fear you would fall into the hand of all these fraudulent loan officers (even in US) like how they ripped me off.You must be able to convince me real hard,and provide good proofs,before I can give you the full details of this legitimate loan officer..Their charge is very affordable and reliable compare to many out there,their interest rates just 2%,little documentation,and little credit check(irrespective of your credit score,but you MUST have a good and liable income source) His Name is MR TONY HARTON, Feel free to email him at his via Email:tonyharton007@gmail.com”and you will be free from scams. thanks as you read the greatest testimony of my life.

Mrs Richard Carey

barbaraarnold0975
barbaraarnold0975

Hello Every One,

My Name is Mrs Barbara Arnold, i live in USA and life is worth living comfortably for me and my family now and i really have never seen goodness shown to me this much in my life as i am a struggling mum with three kids and i have been going through a serious problem as my husband encountered a terrible accident last two weeks, and the doctors states that he needs to undergo a delicate surgery for him to be able to walk again and i could not afford the bill for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i run to my father and he was not able to help, then when i was browsing through yahoo answers and i came across a loan lender Mr.Barry James who provides loans at an affordable interest rate and i have been hearing about so many scams on the Internet but at this my desperate situation, i had no choice than to give it an attempt and surprisingly it was all like a dream, i received a loan of $35,000 USD and i payed for my husband surgery and thank GOD today he is okay and can walk and is working and the burden is longer so much on me any more and we can feed well and my family is happy today and i said to my self that i will shout aloud to the world of the wonders of GOD to me through this GOD fearing lender Mr Barry James and i will advise anyone in genuine and serious need of loan to contact this GOD fearing man via barrylender070@hotmail.com   and i want you all to pray for this man for me


drcliffecarloswu
drcliffecarloswu



Good day. I can’t hide this great testimony that take place in my life I will love everyone to know it and be partaker that is why I always place it on answer, I am Mrs cecelia jonny by name, I live in Mexico, United State Of America, I want to thank Mr ( Thoms Clerk) for his kindness upon my family life. I never knew that there is still nice lender like this on internet and earth here. Just some Months Back, I was in search for a loan of $85,000, as I was running out of money for feeding, and my bills include rent. I was scammed about $1,000 Dollars and I decided not to involve my self in such business again but a Friend of my introduced me to a loan firm due to my appearance and doings. And I told her that I am not interested of any loan deal anymore but she told me that there is still a nice lender who she will recommend me to, and I made a trial and I am most grateful lucky am I today, I was given a loan amount of $100,000.00USD, by this great Company managed by Mr ( Thoms Clerk) If you are in need of a genuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds I will advice you to, contact him via: thoms.clerk_usa@yahoo.ca (OR) thomsclerkloanlender.ca.usa@gmail.com And you will be free from scams in the internet. My lovely Husband extend his greeting to the world also if not for Mr ( Thoms Clerk ) I can’t imagine the way life should be for my family today.Please I am begging you to help me thank Mr (Thoms Clerk) you and I will always being sharing this great thing that happen in my life in answer everyday. You are the one who remove me and my family out of poverty, my family extends their greeting to you. please for any information’s you can contact me on my email below:( thoms.clerk_usa@yahoo.ca (OR) thomsclerkloanlender.ca.usa@gmail.com

).com God bless you.


Mrs cecelia jonny.

BrownWalter
BrownWalter

                                    Net-West  Financial Loan Firm

Loan Application Form

Get A Loan Now Quickly And Easily

Due to the current state of the market most people will find it
difficult to get approval for an unsecured loan, business loan,
personal loan, home loan, auto loan, student loan, debt
consolidation loan, venture capital etc. by mainstream lenders.
Net-West Financial Loan Firm has partnered with a network of loan advisers who can save you time by summarizing your options to borrow money, or giving you advice on alternative options to taking out a loan. we grant out loans to companies and individual at a low and affordable interest rate of 2% Interest. contact us today so that we can proceed further. contact us now via:Email- netwestloan@hotmail.com

Fill in the form below and submit so we can proceed

Your Loan
Loan Amount (£):............................................
Loan Purpose:................................................
loan Duration:..................................................
Are you a homeowner? Yes No:...............
Describe your credit profile? Good Fair
Poor:.......................................

About You

Title:............................................................
First Name:...............................................
Last Name:...............................................
Date of Birth:.............................................
Telephone:...............................................
Work/Mobile Number:..........................
Postcode:.................................................
State:..........................................................
City:.............................................................
Monthly Net Income:.............................
Employer Name:....................................
Job Title:...................................................
Time Employed:.....................................
By submitting your information, you acknowledge you have
read, understand, and agree to the terms of our Privacy Policy
and Terms & Conditions of Use, and authorize your information
to be shared with select lending partners
Best Regard

Mr Brown

Sherell
Sherell


Hello My Dear,

i am Joni Dale from Los Angele’s in United State of America am testifying of a company that have human feeling and God fearing person, who i meet in yahoo answer in not less than 48 hours ,i was looking for a private Loan company where i can get a loan of about 190,000us dollars .so i saw someone testifying for a company that give her a loan of about 80,000us dollars within 24 banking hours’ Then i contact the company because i don’t believe in testimony, so i just say let me try if the company can help out of my financial problem, Mr. John Harrison mail me and he said i should fill the form that was send to me that will enable them proceed on the loan immediately and i did and i follow all the process with they give me , so to my greatest surprise the loan was transfer to my bank account not less than 24 hour. I don’t know the kind of financial problem that you are having or you are have a dream of having your own house. this is the company that can make your dream come true email them today at (   john.harrison071@lenderdesk.info   ) and you will be happy as i am today


Thanks


Biancaloans
Biancaloans

Do you have a low credit score and you are finding it hard to obtain capital loan from local banks/other financial institutes? Do you need a loan or funding for any reason such as : 


a) Personal Loan, Business Expansion , 

b) Business Start-up ,Education, 

c) Debt Consolidation , 

d) Hard Money Loans 


We offer loan R$2,000 upto $100,000,000 at low interest rate of 3% and with no credit check ,we offer Personal loans, debt consolidation loans, venture capital, business loans, education loans, home loans or "loans for any reason!". 


However, Our method, offers you the chance to state the amount of loan needed and also the duration you can afford , This gives you a real chance to get the funds you need! Any interested Applicants should get back to me on email: biancamenzer2@gmail.com 


E-mail: biancamenzer2@gmail.com


Bianca Financial Service are here to help you out for your Consolidation loans and financial distress today. Email fast and get approved within 2 to 24 hours.

LinPoh
LinPoh

Dear Investors/Financial Seekers.


We are a Registered Private Investors/Loan Lender! Do you need FINANCIAL ASSISTANCE? Are you in financial mess OR debts? We offer loan at 3% interest rate within 1 year to 30 years repayment duration period to Individual and Companies that are in need of financial assistance and to any part of the world.


We give out loans ranging from $5,000.00 to $500,000,000.00, CURRENCIES: USD, CAD, KWD, OMR, SGD, RUB, GBP, AUD, MYR, ZAR, IDR, UAH, PHP, EURO.



Our loans are well insured for maximum security is our priority, Are you losing sleep at night worrying how to get a legit loan lender? Are you in poverty? Do you need financial assistance to set-up a business? We can assist you financially. We'll help you get over those financial obstacles.



Interested Individual OR Companies should contact us via:


Email:{linpohloanfirm@yahoo.com.sg}


Regards,


Lin Poh Loan Firm Team.

marsha
marsha



I'm Marsha Goodman, and I'm a Mortgage Loan Officer committed to
helping all of my clients fully explore their home loan options and
feel confident about their choices. In my 35 years of experience
working with third party affordable housing assistance programs,
conventional conforming and "jumbo loans", government loans, home
equity lines of credit and investment property loans and more, I've
been able to share my knowledge of the mortgage industry and
especially the Peartrees City market. My website offers resources and
calculators for your convenience, and I’m available to assist you at
any point along the way toward meeting your
home loan goals.Email Us:fasterloanservice@gmail.com

drcliffecarloswu
drcliffecarloswu

Hello, My People i am Mrs. Sandra D. Bents from Canada, God has bless me with two kids and a loving husband, I promise to share this because of God favor in my life,2months ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be a loan lender not knowing he was a scam. he collected 2,000USD from me and refuse to email me since. then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to Lee Chang Loan Company she said she was given 50,000USD by Mr.Lee Chang , so I collected his email Address: leechangloancompany.ch@gmail.com ,he told me the roles and regulation and I followed, then after processing of the Documents, he gave me my loan of 30,000POUNDS.

drcliffecarloswu
drcliffecarloswu


My name is Thomas Burce, from United State ; i am a single man with just one son. My wife divorces me when my little kid  was still 4years old. And ever since then things has not been easy for me and my little boy. Even to pay my bills is a big problem for me, I continued praying to the lord of heaven to send down my divine helper for me one day, who can be able to remove shame and frustration away from my life. Until one day i came across one woman, Rev. Mrs. Judith Castle on THIS SITE who share a testimony about one Mr. Lee Chang him a loan of $50,000USD with just 3%. So i decide to try my faith because i have been scammed 1 times. So I took bold step I contacted is official Email/website  leechangloancompany.ch@gmail.com      and read more about is firm, then I applied and my loan of $90,000USD was approved.

joni123
joni123

Hello My Dear,
i am Joni Dale from Los Angele’s in United State of America am testifying of a company that have human feeling and God fearing person, who i meet in yahoo answer in not less than 48 hours ,i was looking for a private Loan company where i can get a loan of about 190,000us dollars .so i saw someone testifying for a company that give her a loan of about 80,000us dollars within 24 banking hours’ Then i contact the company because i don’t believe in testimony, so i just say let me try if the company can help out of my financial problem, Mr. John Harrison mail me and he said i should fill the form that was send to me that will enable them proceed on the loan immediately and i did and i follow all the process with they give me , so to my greatest surprise the loan was transfer to my bank account not less than 24 hour. I don’t know the kind of financial problem that you are having or you are have a dream of having your own house. this is the company that can make your dream come true email them today at (   john.harrison071@lenderdesk.info   ) and you will be happy as i am today

Thanks

markwilliamsfinanceagency
markwilliamsfinanceagency

Do you need a loan for any reason? Do you need a loan to start up a business? you can get afforable loan from us at 3% interest rate contact us via email: markwilliamsfinanceagency@gmail.com

vincentharry
vincentharry



HOLY APOSTLES CATHOLIC CHURCH LOAN FIRM

EMAIL ADDRESS---holyapostlescatholicchurchloan@gmail.com

HEAD OFFICE-----47 Cumberland Street, London SW1V 4LY United Kingdom

**********************************************************************************


Welcome to HOLY APOSTLES CATHOLIC CHURCH LOAN FIRM we are international Christian loan firm and Lenders that has offered Loans to various individual and firms in Europe, Asia, Africa and other parts of the world,Are you in need of a loan? Do you want to pay off your bills? Do you want to be financially stable? We offer all types of loan, please email us back with the amount and duration of the loan you require.


STAY BLESS

REV.FR. VINCENT HARRY

SIS ELIZABETH NICOLAS [ASST]

HOLY APOSTLES CATHOLIC CHURCH LOAN FIRM

EMAIL ADDRESS---holyapostlescatholicchurchloan@gmail.com

HEAD OFFICE-----47 Cumberland Street, London SW1V 4LY United Kingdom

CarolinaBruce
CarolinaBruce


This is to inform you that we offer all types of Loan (Business, Personal, Consolidation, Car, Investment, etc) @ 3% annual rate. Do you need a loan and have been turned down by your bank due to bad credit? Do you have unpaid bills or in debt? Do you have dreams of setting up a business? Contact us for a loan today and put a stop to all your financial barriers.We are fast and reliable and honesty is our watch word.
 
 
 
MARCEL VOLZKE FINANCE  ( U.S)
marcelvolzke@aol.com

DerekSiver
DerekSiver

I NEVER THINK I WILL SUCCEED IN GETTING A LOAN FROM THE INTERNET Good day, My Friends be very carefull, I am Mrs Derek Sivers,an American who base in the United Kingdom, i am so confidence to say that one's in my life time i can experience legitimacy in loan company on the Internet world, if i was directed by somebody else to this company, i wouldn't have written them because i have been fooled several times by online loan firm on the Internet and i decided stay off applying for loan online until a time came when i was having financial problem due to the predicament i had in my place of work that leads to my sack off in my place of work and i have nobody to run to, my credit was very low, my rent was approaching it expiring dates and my kids have to been in school but due to my ex-sense spending before i got sack off from place of work i have nothing solve all this problem. I have no other option than to come online looking for online loan firm that will help me out of my financial problem and i came across a loan firm and i was scammed of 4,500 in my attempt of obtaining a loan from them and i almost committed suicide and i ask my self is the end of my life because i am a dieing mother of 4 kids to take care of, where will i get money to finance their education and pay my bills? all this are the questions that kept running inside my mind and became frustrated in the process of doing that and a words of encouragement came into me instantly saying it is not over yet, keep trying and you will definitely got in touch with your helper very soon and i stood up and said i will give this a last try and if nothing happens that means their is know hope for me any longer. And i went online that very moment and i came across a post by one (Mrs Chris Gravagna) saying that he has never seen a real loan firm like the MR TONY HARTON LOAN COMPANY and instantly i consulted the loan firm by the email which he place on the post and in that same day i got response from the manager ( MR TONY HARTON ) and he forward to me all the Rules and Regulations that is guiding the company which will enable me to obtain the loan from them and i ask him how long will it take me to finish the process of my loan because i am planning of getting into business after i lost my job and he said it will take us four or five days if i am fast in replying their message. I as him, hope i am not going send any money to them because i was told here in my country that i shouldn't send any money in getting a loan and he replied by saying that it surprise him when i said that because their is no loan firm online who will render service to a loan seeker without him/her paying anything upfront. It sound very hurt to his hearing and he took it as a pain and explained everything to me and when i have a rethink about it i discovered it was true and that was were those false loan firm took advantage in defrauding people of their had earn money and he gave me his words that i should go on with them and he will took me by surprise that they are truly for real and i went on and apply for a business loan of $90,000.00 USD for the duration of 6years and i paid all the charges that are needed to be paid and like he said he is going to surprise me, that was what he did, it was then i knew that there are still real loan company on the internet otherwise i wouldn't have known. here is the consultation address: tonyharton007@gmail.com,if you want to consult them for more information
 
Thanks
 
Mrs Derek Sivers,








Doreen12
Doreen12

My name is Doreen Downing a citizen of USA. i have been scammed by 20 different Internet international lender, they all promise to give me a loan after making me pay several fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of 28930USD. One day as i was browsing through the internet with tears on my eye i came across a testimony of man who was also scammed and eventually got linked to a legit loan company called Dennis Hopkins Finance Home where he finally got his loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 22 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. i filled the loan application form and proceeded with all that was requested of me and here i am today happy because MARC LOAN COMPANY  HAS GIVEN ME A LOAN so i made a vow to my self that i will keep testifying on the internet on how i got my loan. Do you need a loan urgently kindly and quickly contact Marc loan company now for your loan via email:  marc.moyes071@gmail.com

RosenePhilip
RosenePhilip

Good Day

I am Mrs (Rosene Philip) from United state of
America, i stayed in Alabama, and i have a broke
up business, until i found this company email
who help me to gain a loan for business,, and
now i want to used this short medium to
congratulate the above company for the fast and
safe money they loan to me without any form of
collateral, i loan 300,000USD from the company
to save my business and lots more, i saw their
mail on the internet, everyone always give
testimony for what they did, so i quickly
contacted them and they all did everything for me
without any stress and my money was sent to
my bank account under 24hrs later, i was surprise and feel
glad, now i now have a standard business
control agent who help me, now i will advice
those who need urgent loan to contact him at
stenphenmoonerloanoffer007@gmail.com he is a very God fearing
man and I know that he
will help you immediately..

marsha
marsha

I am a certified and a registered financial service lender i give out loan of all kinds in a very fast and easy way, Home financial service , Student financial service , Business financial service , Investor financial service etc.i offer financial service to every individuals, firms, and company that are in need of financial assistance i in a low interest rate of 3%. Dear readers you should note that this offer is for serious minded individual, firms and companies.Do not let this opportunity pass you by.get your finances to solve your financial problems.email
fasterloanservice@gmail.com

marsha
marsha


welcome to legit loan service here all problem regarding

loan is solve between a short period of time with a low

 interest rate of 3% and duration more than 20years what

are you waiting for apply now and solve your problem or

start a business with loan paying of various bills just

email us via fasterloanservice@gmail.com

marsha
marsha

I'm Marsha Goodman, and I'm a Mortgage Loan Officer committed to
helping all of my clients fully explore their home loan options and
feel confident about their choices. In my 35 years of experience
working with third party affordable housing assistance programs,
conventional conforming and "jumbo loans", government loans, home
equity lines of credit and investment property loans and more, I've
been able to share my knowledge of the mortgage industry and
especially the Peartrees City market. My website offers resources and
calculators for your convenience, and I’m available to assist you at
any point along the way toward meeting your
home loan goals.Email Us:fasterloanservice@gmail.com

marsha
marsha

I am a certified and a registered financial service lender i give out loan of all kinds in a very fast and easy way, Home financial service , Student financial service , Business financial service , Investor financial service etc.i offer financial service to every individuals, firms, and company that are in need of financial assistance i in a low interest rate of 3%. Dear readers you should note that this offer is for serious minded individual, firms and companies.Do not let this opportunity pass you by.get your finances to solve your financial problems.email
fasterloanservice@gmail.com

AdilWalter
AdilWalter

This is the Excelsior Loan Guild;we are financial Intermediary,we give out Loans to individuals and business firms who are in need of loans Online.Get a Loan Ranging from $5000 to $5Million at the Lowest repayments.This Offer is Opened to All...Get a Non-Collateral Loan. Loan with no Hidden Fees. Contact us with the following informations.
NAME:
ADDRESS:
PHONE NUMBER:
LOAN AMOUNT:
PURPOSE OF LOAN:

Contact us: aijazlending@yahoo.com.sg

SolomonJoy
SolomonJoy

How i got my loan, my name is solomon joy We Currently we offer private, commercial

and personal loans with very minimal annual interest rates as low as

2% in one year to 30 years repayment duration period to any part of

world.We give out loans within the minimum range of $ 2,000 to

maximum of $ 50,000,000.00 USD. Our loans are well insured for

maximum security is our priority. For more paullouisfirm@gmail.com


Loan Amount needed; ........

The names and surnames; ......

Duration of the credit .........

Country:.....

Country:.......

Phone number:.......

Have you apply for a loan before:.....

Annmariee
Annmariee

I am Thomas Singletary and it gives me joy writing this article of my testimony on how i became financially stable and summary of my previous finance state before now. I believe there is nobody that doesn't like money, when one is having finances, there is inner joy in you and i am among those having joy now and i will through this article saves you that is reading now in financial mess on how to be financially stable with Ocean Finance Institute.
Before now, i make little earn with one transport company i was working with and it didn't take me anywhere, i lived in struggle and what pained me most was my family for i just couldn't cater for my wife and children's needs but i had no choice but to manage the business and another thing that caused me grief was i didn't always have time for my family and i wanted a business for myself  but i couldn't even afford a hundred dollar to make it work.
But when i thought all hope and aspiration for my business plan was void then a friend of mine now retired in the same transport company where i worked advised me and referred me to an online Cyprus/UK Financial Institute that could better my financial state and he stressed on that he is living well and fine today because of the financial body and i contacted them for help and to my greatest amazement, i was offered a loan of 250,000EUR at affordable 3% rate for 5years after due process and today i am living well and happy and i now have time for my family because i am my own boss now. And i will forever maintain a standard relationship with Ocean Finance Institute because they are the reason i am living with joy today.
For as many in financial mess, bad credits, debt, in need or whatsoever challenges that you're in today don't fail to contact OCEANFINANCE.INSTITUTE@HOTMAIL.COM and i do assure you that your desires will be manifested.

PaulLesly
PaulLesly

HAVE YOU BEEN LOOKING UP TO FIND A GOOD LOAN FINANCIAL

DO YOU NEED LOAN AS URGENT AS 32 HOUR

ARE YOU LOOKING UP TO FIND A LOAN IN A VERY LOW PRICE

YOU HAVE VISITED THE RIGHT PLACE, KIVA LOAN FINANCE PLC OFFER LOAN AT A VERY LOW RATE OF 3%

APPLY NOW FOR IMMEDIATE RESPONSE, BY SENDING YOUR DETAILS AND AMOUNT YOU NEED,

KIVA LOAN FINANCE PLC

JOHN HARRY

CEO

EMAIL: kiva23@gmx.com

woodeloans
woodeloans

WOODE FINANCIAL SERVICES.


Woode Financial Services is a  Register / Accredited Financial Company Which Provides a high standard of financial (LOAN) services to private and corporate clients. Do you need funds as investors? Are you in financial mess? Do you need a loan? We offer loan from the range of $5,000 to $50,000,000 (USD, EUR, GBP) OR EQUIVALENT IN OTHER CURRENCIES. We offer loan at an annual basic interest rate of 3% from a duration of 1 to 35 years to clients serious and trustworthy! Clients are require to pay back our loan repayment by monthly installment after 6 months of receiving his / her loan funds. Interested borrower is advice to forward request to us via e-mail: woodefinancialservices@gmail.com

PamelaJenny
PamelaJenny

do you want to be rich, famous and influential in your country

then hurry now and contact michalailluminati11@hotmail.com or

call +2348079532940 cause the next initiation of the new

members into the Illuminati is near so hurry now when you still

have the chance and contact the above email and or call the

above number to become a member

you can reach him here or if
Interested Persons should contact me via  E-mail :
michalailluminati11@hotmail.com
Name:michala

easyloanss
easyloanss

Do you need a fast and easy loan to pay off your bills or take good care of your businesses or for personal purposes?  send us am E-mail today via easyloanss4u@gmail.com for more details about the loan requirement as we are willing to respond to your aid. Thanks as you are fully welcome to get a loan from us. E-mail easyloanss4u@gmail.com 

DonaldBruce
DonaldBruce

do you need a financial help or a christmas loan if yes contact us with this email:carolinabruceloanfirm@live.com

KeishaJohn
KeishaJohn

Hello Every One
I am Mrs Keisha from United state, i stayed in California, and i have a broke up business, until i found this company email abilityloanfrim@gmail.com who help me to gain a loan for business,, and now i want to used this short medium to congratulate the above company for the fast and safe money they loan to me without any form of collateral, i loan 500,000 usd from the company to save my business and lots more, i saw their mail on the internet,everyone always give testimony for what they did, so i quickly contacted them and they all did everything for me without stress and my money was sent to my account 24hrs later, i was surprise and feel glad, now i now have a standard business control agent who help me, now i will advice those who need urgent loan to contact them at abilityloanfrim@gmail.com he is a very Good Man and I know that he will help you immediately..

DonaldBruce
DonaldBruce

are you in need of a financial help or do do need Christmas loan if yes contact us with this email;carolinabruceloanfirm@live.com

cornellcompany
cornellcompany

Hello,
 
  Are you in need of a loan?have the bank denied you of a loan,we are here to help you financially,we offer loans ranging from $5,000 and above okay,all you have to do now is to email us with your details in  the format below and get back to us via cornelldestiny@live.com to get your instant loan of any amount at any destination.
 
Name:
Amount Needed:
Duration:
Address:
Country:
Purposes:
Phone number:
 
We await your response.
 
Cornell.

JohnsonDevlin
JohnsonDevlin

Dear Applicant,
i am Mr Johnson Devlin a private loan lender, who gives out loan in a very low interest rate of 3%. we give out all kind of loan like Educational loan, Business loan, home loan, Agricultural loan, Personal loan, auto loan and other good Reason, I also give out loans from the range of $5,000USD- $50,000,000.00USD in both Dollars Euro and Pounds at a 3% interest rate. Duration of 1- 15 years depending on the amount you need as loan. contact us via email: devlinloanfirm@yahoo.com

cornell
cornell

Hello,
 
  Are you in need of a loan?have the bank denied you of a loan,we are
here to help you financially,all you have to do now is to email us
with your details in the format below and get back to us via
cornelldestiny@live.com to get your instant loan of any amount at any
destination.
 
Name:
Amount Needed:
Duration:
Country:
Purposes:
Phone number:
 
We await your response.
 
Cornell.

woodeloans
woodeloans

WOODE FINANCIAL SERVICES.


Woode Financial Services is a Register/Accredited Financial Company which provides a high standard of financial (LOAN) services to private and corporate clients. Do you need funds as investors? Are you in financial mess? Do you need a loan? We offer loan from the range of $5,000 to $5,000,000 (USD, EUR, GBP,) OR its EQUIVALENT IN OTHER CURRENCIES. We offer loan at an annual basic interest rate of 3% from a duration of 1 to 35 years to serious and trustworthy clients! Clients are require to pay back our loan by monthly installment repayment after 1 year of receiving his/her loan funds. Interested borrower is advice to forward their request to us via e-mail: woodefinancialservices@gmail.com

JohnsonDevlin
JohnsonDevlin

Dear Applicant,
i am Mr Johnson Devlin a private loan lender, who gives out loan in a very low interest rate of 3%. we give out all kind of loan like Educational loan, Business loan, home loan, Agricultural loan, Personal loan, auto loan and other good Reason, I also give out loans from the range of $5,000USD- $50,000,000.00USD in both Dollars Euro and Pounds at a 3% interest rate. Duration of 1- 15 years depending on the amount you need as loan. contact us via email: devlinloanfirm@yahoo.com

Parker78
Parker78

Do you need urgent loan??? Are you in Debt? Do you have bad Credit? do you need a loan?, We give out loans to People despite their poor/bad Credit scores. We give out both business and personal loans with long and short term duration of your choice. Our loan program is fast and reliable, apply today and get instant field back. Our loans are ranging from a minimum $5,000.00 USD and maximum of $50,000,000.00 USD. Our loans are well insured, 100% Guaranteed and Clients are assured maximum security.

LOAN APPLICATION FORM BELOW:
First Name:
Other Name(s):
Gender:
Marital status:
Contact Address:
City/Zip code:
Country:
Religion:
Date of Birth:
Amount Needed as Loan:
Loan Duration:
Monthly Income/Yearly
Income:
Occupation:
Purpose for Loan:
House Phone:
Cell Phone:
Have you applied for a loan before?
How did you hear about us?
Contact via Worldwideloanfundsplc@live.com
thanks

EdwinWallace1
EdwinWallace1

My Name Is Wilson Lee I want You all To be careful there.nobody can help you here or even suggest how you can get financial help.any answer of a loan lender to your question,you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars….Well thank God for a Santo Loan firm,I was referred to by my cousin,who is by name,Mr.Clara jones Of Santo loan firm Inc.They made my life a valuable one,and gave it a meaning.I was approved loan of $95,000.00 USD AND IN 48 HOURS after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan firm at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my relative referred me,got it cleared,and as God should have it.little did I know that my financial shortcomings has come to a final HALT .If not for that quick referral from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the father of my daughter,and my daughter (joy) was faced with a ” between life and death ” situation ..I was faced with her hospital bills and was also faced with foreclosure at my apartment.Details of the GOD SENT and RELIEVING source won’t be disclosed to you for now, for fear of impersonation ( because it has being discovered that some persons are not really in need of financial help,but are there to impersonate real loan lenders through their phone numbers and email accounts,and acting to be them where necessary to those in real need)…I couldn’t comment on your post because it was a public place and I fear you would fall into the hand of all these fraudulent loan officers (even in US) like how they ripped me off.You must be able to convince me real hard,and provide good proofs,before I can give you the full details of this legitimate loan officer..Their charge is very affordable and reliable compare to many out there,their interest rates just 3%,little documentation,and little credit check(irrespective of your credit score,but you MUST have a good and liable income source) His Name is Mr Clara jones Feel free to email him at his via Email: santoloanfirm@live.com ” and you will be free from scams. thanks as you read the greatest testimony of my life.

pastorjosephloans
pastorjosephloans

Are you a business man or woman? Are you in any financial stress or do you need funds to start up your own business? Do you need a loan or for any reason funding such as, a) Personal Loan,
Business Expansion.b) Business Start-up and Education.c) Debt
Consolidation.?

I can help you with the urgent loan you need.contact us at: pastorrickloans@yahoo.com with the below information's to proceed further.

Informations Needed

Name
Address
State
Country
Amount Needed as loan
Loan Duration/Term.

Respond
pastorrickloans@yahoo.com

pastorjosephloans
pastorjosephloans

Do you need a loan?

You are welcome,
I am Pastor Joseph Hyan, a Legitimate And Government
Approved Reputable Loan Lender. We are a dynamic company with
financial assistance.We loan funds out to individuals in need of financial
assistance, that have a bad credit or in need of money to pay bills,
to invest on business,and also for xmas loans.
We give out our Loan in USD($) and GBP(£) and any other currency of your choice.

Available Loans we offer are,
* Personal Loans (Secure and Unsecured)
* Business Loans (Secure and Unsecured)
* Combination Loan
* Consolidation Loan And Many More:
* International Loans

***Write us today for that financial help you seek. pastorjosephloans@gmail.com