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Is there a time limit on how long I can receive loans? Direct Unsubsidized Loans are available to both undergraduates and graduate or professional degree students. *Note: If you received a Direct Subsidized Loan that was first disbursed between July 1, 2012, and July 1, 2014, you will be responsible for paying any interest that accrues during your grace period.Once the introductory period expires, the rate on a balance transfer card is usually higher than on a personal loan.In addition to paying off your balance before the rate increases, you’ll want to avoid making further charges.With a debt consolidation loan, a lender issues a single personal loan that you use to pay off other debts, such as balances on high-interest credit cards.You’ll pay fixed, monthly installments to the lender for a set time period, typically two to five years.Debt consolidation won’t work if you have too much debt or haven’t fixed underlying spending issues.Almost all lenders require you to be 18 years or older and a legal U. resident with a verifiable bank account and not in bankruptcy or foreclosure.

Several personal finance websites, including Nerd Wallet, offer free access to your credit score and credit report.

Other options for borrowers with bad credit include secured or co-sign personal loans.

Some lenders say they have no minimum credit score requirements, but that does not mean they don’t check your credit report.

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