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If You Have Bad Credit, Can You Get A Home Equity Loan ? If you own your own home and need to pay off some bills, but your credit rating is not too good, there are still sources available that can help. Is Federal Student Loan Consolidation A Good Idea? If you have spent years going to school only to find you're left with a mountain of student loans to pay off, don't fret. There may be hope if you can consolidate your loans into one monthly payment. Student Loan Consolidation Programs - Which One Is Best ? If you need to consolidate your student loans, there are things you need to know first to ensure you save the most money and time. Here is what to do.