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Subject: "Apple Debt Care: School Loan Consolidation" Previous topic | Next topic
RaphaelSoulLee
Member since May 21st 2003
3760 posts
Thu Dec-11-14 09:56 AM

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"Apple Debt Care: School Loan Consolidation"


          

So, I've amassed quite a hefty school loan bill. Decided to call one of those numbers that they advertise on the radio. Turns up to be a company called Apple Debt Care. They say they can reduce my monthly payments significantly, but I'm just leery about putting my info out there like that. I don't know how reputable the company is, and there isn't a bunch of info out there on the company. Anyone know or heard of this company?

It takes all kinds to make up a world, son. -My pops

I just live for the comments -Da wiz

  

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Topic Outline
Subject Author Message Date ID
Don't pay anyone a penny
Dec 11th 2014
1
THIS is the answer^^^^^
Dec 11th 2014
4
Thanks JF....Will look into it!!
Dec 11th 2014
7
^^^^
Dec 11th 2014
24
you could do the consolidation yourself im pretty sure
Dec 11th 2014
2
Thx Bin
Dec 11th 2014
9
Call your lender first and see what options they have....or better yet
Dec 11th 2014
3
Greasy F....Thanks man
Dec 11th 2014
10
N-E-V-E-R U-S-E T-H-E-S-E C-O-M-P-A-N-I-E-S
Dec 11th 2014
5
Nuff Said!!!! Just had this crazy feeling about this!!
Dec 11th 2014
6
this is IF you have fed loans tho. if you have private loans
Dec 11th 2014
8
      Fed Loans, for sure
Dec 11th 2014
18
RE: N-E-V-E-R U-S-E T-H-E-S-E C-O-M-P-A-N-I-E-S
Dec 12th 2014
30
What's funny is I assume anything advertise on black radio is a scam.
Dec 11th 2014
11
the we fix money/payday loan commercials legit make me angry
Dec 11th 2014
12
      What's terrible is they love to name drop Obama in the commercials.
Dec 11th 2014
14
      This Angers me to no end, as well
Dec 11th 2014
15
      payday loans are somewhat defensible
Dec 11th 2014
16
      i mean they are a last last LAST resort
Dec 11th 2014
20
      #ACTUALLY
Dec 11th 2014
21
      300% interest? They are in no way defensible.
Dec 12th 2014
28
      It's only technically 300% apr
Dec 12th 2014
29
      it is hugely different from a 19% capital one joint. capital one
Dec 12th 2014
32
      that, title loans and furniture rental places anger me with their
Dec 11th 2014
19
      fam, we >HERE< i HATE THAT SHIT.
Dec 12th 2014
31
Reply #1
Dec 11th 2014
13
It's all been said, but...
Dec 11th 2014
17
fear and ignorance...
Dec 11th 2014
22
What a misleading name, I wonder how many people they
Dec 11th 2014
23
No.
Dec 12th 2014
25
don't pay anyone except your loan servicer.
Dec 12th 2014
26
Man, I thought this was for people in debt for buying iPhones at first
Dec 12th 2014
27

John Forte
Member since Feb 22nd 2013
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Thu Dec-11-14 10:05 AM

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1. "Don't pay anyone a penny"
In response to Reply # 0


          

go to studentloans.gov and apply for loan consolidation. It takes 10 minutes. Select "pay as you earn" repayment.

  

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John Forte
Member since Feb 22nd 2013
15304 posts
Thu Dec-11-14 10:15 AM

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4. "THIS is the answer^^^^^"
In response to Reply # 1


          

if you have multiple lenders/loan servicers for federal loans, studentloans.gov will automatically pull them from the national student loan data system. More efficient than calling Sallie Mae, Great Lakes and Nelnet.

  

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RaphaelSoulLee
Member since May 21st 2003
3760 posts
Thu Dec-11-14 10:29 AM

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7. "Thanks JF....Will look into it!!"
In response to Reply # 4


          

It takes all kinds to make up a world, son. -My pops

I just live for the comments -Da wiz

  

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astralblak
Member since Apr 05th 2007
20029 posts
Thu Dec-11-14 11:57 PM

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24. "^^^^"
In response to Reply # 1


  

          

.

  

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Binlahab
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182565 posts
Thu Dec-11-14 10:06 AM

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2. "you could do the consolidation yourself im pretty sure"
In response to Reply # 0


  

          

they are going to charge you for shit you could do yourself for free

call sallie mae & ask them what your options are


does it really matter?

for all my fans who keep my name in their mouth: http://i.imgur.com/v2xNOpS.jpg

  

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RaphaelSoulLee
Member since May 21st 2003
3760 posts
Thu Dec-11-14 10:31 AM

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9. "Thx Bin"
In response to Reply # 2


          

It takes all kinds to make up a world, son. -My pops

I just live for the comments -Da wiz

  

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Fishgrease
Member since Feb 13th 2006
34433 posts
Thu Dec-11-14 10:12 AM

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3. "Call your lender first and see what options they have....or better yet"
In response to Reply # 0


  

          

go online and find the income based payment options.

---------------------------------------
blog: www.wonderfullyhorrible.blogspot.com
instagram: Fishgrease
twitter: wooly_caesar
Podcast www.soundcloud.com/circlegang

  

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RaphaelSoulLee
Member since May 21st 2003
3760 posts
Thu Dec-11-14 10:32 AM

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10. "Greasy F....Thanks man"
In response to Reply # 3


          

It takes all kinds to make up a world, son. -My pops

I just live for the comments -Da wiz

  

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BigReg
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Thu Dec-11-14 10:18 AM

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5. "N-E-V-E-R U-S-E T-H-E-S-E C-O-M-P-A-N-I-E-S"
In response to Reply # 0


  

          

SCAMMERS ACROSS THE BOARD.

BEST case scenario your charging someone a fee for something you can do yourself

  

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RaphaelSoulLee
Member since May 21st 2003
3760 posts
Thu Dec-11-14 10:28 AM

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6. "Nuff Said!!!! Just had this crazy feeling about this!!"
In response to Reply # 5


          

I mean what they were talking sounded good, but the feedback from you guys have confirmed my assumptions.

It takes all kinds to make up a world, son. -My pops

I just live for the comments -Da wiz

  

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Binlahab
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Thu Dec-11-14 10:30 AM

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8. "this is IF you have fed loans tho. if you have private loans"
In response to Reply # 6


  

          

totally different ballgame


does it really matter?

for all my fans who keep my name in their mouth: http://i.imgur.com/v2xNOpS.jpg

  

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RaphaelSoulLee
Member since May 21st 2003
3760 posts
Thu Dec-11-14 11:31 AM

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18. "Fed Loans, for sure"
In response to Reply # 8


          

It takes all kinds to make up a world, son. -My pops

I just live for the comments -Da wiz

  

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Nvncible1
Member since Jun 17th 2011
1894 posts
Fri Dec-12-14 01:56 PM

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30. "RE: N-E-V-E-R U-S-E T-H-E-S-E C-O-M-P-A-N-I-E-S"
In response to Reply # 5


  

          


NEVER USE THE SECOND PANTIES.






iswhatiread

  

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Buddy_Gilapagos
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Thu Dec-11-14 10:45 AM

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11. "What's funny is I assume anything advertise on black radio is a scam. "
In response to Reply # 0


  

          

The fact that they started advertising Lasik Surgery on Hot 97 made me NOT want to do it.


**********
"Everyone has a plan until you punch them in the face. Then they don't have a plan anymore." (c) Mike Tyson

http://blackpeopleonlocalnews.tumblr.com/

  

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Binlahab
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Thu Dec-11-14 10:48 AM

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12. "the we fix money/payday loan commercials legit make me angry"
In response to Reply # 11


  

          

like they are preying on my ignorant, dumb, desperate people

some poor single mama who just lost her job listening to the radio like FREE MONEY

no, boo. they will destroy you. dont do it.


does it really matter?

for all my fans who keep my name in their mouth: http://i.imgur.com/v2xNOpS.jpg

  

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Buddy_Gilapagos
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Thu Dec-11-14 10:59 AM

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14. "What's terrible is they love to name drop Obama in the commercials. "
In response to Reply # 12


  

          

They are like "Obama has made it possible for you to refinance your home...."

turrible.

**********
"Everyone has a plan until you punch them in the face. Then they don't have a plan anymore." (c) Mike Tyson

http://blackpeopleonlocalnews.tumblr.com/

  

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RaphaelSoulLee
Member since May 21st 2003
3760 posts
Thu Dec-11-14 11:07 AM

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15. "This Angers me to no end, as well"
In response to Reply # 12


          

Cringe everytime I here Freda's (on Russ Parr Show) and nem do that drop.

It takes all kinds to make up a world, son. -My pops

I just live for the comments -Da wiz

  

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John Forte
Member since Feb 22nd 2013
15304 posts
Thu Dec-11-14 11:11 AM

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16. "payday loans are somewhat defensible"
In response to Reply # 12


          

They provide "credit" to those locked out of traditional credit markets and can mean the difference between lights on and off for a poor family. The payday loan cycle is a viscious one, but it's REALLY no different than credit card debt. Right now someone making the minimum payment on their 19% apr CapitalOne visa is turning their nose up at their cousin/neighbor who hits the paday spot on the first and firteenth

  

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Binlahab
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Thu Dec-11-14 12:18 PM

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20. "i mean they are a last last LAST resort"
In response to Reply # 16


  

          

i mean...like...im trying to think of a situation where its ok & yeah...when the lights abt to get shut off or you may be evicted...ok THEN thats when you go

but thats just a bandaid on cancer type situation. because they'll charge you an arm & a leg on that loan & if you didnt have it before why would you have that and more in a month or whenever it comes due


does it really matter?

for all my fans who keep my name in their mouth: http://i.imgur.com/v2xNOpS.jpg

  

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John Forte
Member since Feb 22nd 2013
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Thu Dec-11-14 12:56 PM

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21. "#ACTUALLY"
In response to Reply # 20
Thu Dec-11-14 12:57 PM by John Forte

          

Full disclosure: my worst job ever was managing a payday/title loan place.

Title loans are the debil. No defense at all. Straight up predatory.

The payday loan charged a flat rate of 15%. You come in and borrow 200. Write us a check for 230. On your payday, come in and give us 230 and we give your check back. Don't pay us and we'll try to deposit that check every week until it clears. No matter how long it takes, you only pay back 15% more than you borrowed.

Some people cam in every payday; pay a loan, borrow a new one. It was sad, but honestly no different than people carrying a balance on their credit cards.

  

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Very-Effortless
Member since May 07th 2011
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Fri Dec-12-14 10:10 AM

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28. "300% interest? They are in no way defensible."
In response to Reply # 16


  

          

https://www.youtube.com/watch?v=PDylgzybWAw

~~~~~~~~~~~~~~~~~~~~
The Green Mile is a movie where the magical black man wrongly dies and the white man who let it happen lives forever.

  

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John Forte
Member since Feb 22nd 2013
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Fri Dec-12-14 10:29 AM

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29. "It's only technically 300% apr"
In response to Reply # 28


          

it doesn't actually accrue. Pay it one day later, you pay 15% of the amount you borrowed. Pay it 15 years later, it's still only 15% of what you borrow.

We're conditioned to think of all loans in terms of APR. This is more like an Islamic (no riba) mortgage. Sharia forbids the charging or paying of interest so banks have structured mortgages with fixed fees as apposed to accruing interest. Payday loans are actually more like that. The amount you owe never goes up, regardless of the passage of time.

  

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poetx
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Fri Dec-12-14 02:02 PM

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32. "it is hugely different from a 19% capital one joint. capital one "
In response to Reply # 16


  

          

don't autodraft your bank account.

and the paydays, when you are talking about multiple (whihc is how it usually ends up) instead of a one time thing ends up being hundreds or thousands of percent, effectively.

a true one time shot, sure, it's prolly less than the bounce fees.

but it is never really one time. once you get in, they hit you with, you can take another one... and before long the payday becomes the check cashing spot but they taking you for 30 or 50 bucks every pay check.

that shit is abhorrent. and should be illegal, but they keep springing back up like zombies.


peace & blessings,

x.

www.twitter.com/poetx

=========================================
I'm an advocate for working smarter, not harder. If you just
focus on working hard you end up making someone else rich and
not having much to show for it. (c) mad

  

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Fishgrease
Member since Feb 13th 2006
34433 posts
Thu Dec-11-14 11:54 AM

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19. "that, title loans and furniture rental places anger me with their "
In response to Reply # 12


  

          

predatory approach.

---------------------------------------
blog: www.wonderfullyhorrible.blogspot.com
instagram: Fishgrease
twitter: wooly_caesar
Podcast www.soundcloud.com/circlegang

  

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poetx
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Fri Dec-12-14 01:59 PM

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31. "fam, we >HERE< i HATE THAT SHIT. "
In response to Reply # 12


  

          

and all these scummy ass celebs hawking that bullshit. fucking alan thick talking about call such and such for tax relief.


peace & blessings,

x.

www.twitter.com/poetx

=========================================
I'm an advocate for working smarter, not harder. If you just
focus on working hard you end up making someone else rich and
not having much to show for it. (c) mad

  

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lazyboi
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Thu Dec-11-14 10:49 AM

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13. "Reply #1"
In response to Reply # 0
Thu Dec-11-14 10:50 AM by lazyboi

  

          

.

"If you wanna help us, fine. Sit down with your kids and make 'em study at night...otherwise, shoot THIS mothaf*cka!" (c) Morgan Freeman,

  

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Starbaby Jones
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Thu Dec-11-14 11:22 AM

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17. "It's all been said, but..."
In response to Reply # 0


  

          

Future reference, student loan debt (at least federal, not sure about private) is among the easiest to work with. As long as you keep a dialog going with them, they tend to be very malleable with the payment terms. I don't understand why more people don't just call them and work with them.

http://soundcloud.com/forestbrooks

  

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legsdiamond
Member since May 05th 2011
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Thu Dec-11-14 03:25 PM

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22. "fear and ignorance..."
In response to Reply # 17


          

  

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J_Stew
Member since Jul 06th 2002
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Thu Dec-11-14 05:05 PM

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23. "What a misleading name, I wonder how many people they"
In response to Reply # 0


          

get off them thinking it's APPLE Debt Care

  

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jetblack
Member since Nov 14th 2004
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Fri Dec-12-14 09:33 AM

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25. "No."
In response to Reply # 0


  

          

---
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@kuroverse
PSN: Jetblack
---
Stay +.
Lone ABQ OKP. I am the danger.
---

  

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SoWhat
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Fri Dec-12-14 09:44 AM

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26. "don't pay anyone except your loan servicer."
In response to Reply # 0


  

          

the only way out of debt is to pay your bills.

fuck you.

  

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8-bit
Member since Jan 12th 2010
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Fri Dec-12-14 09:46 AM

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27. "Man, I thought this was for people in debt for buying iPhones at first"
In response to Reply # 0


  

          

---
http://twitter.com/logicalhood
http://instagram.com/hoodlogic

  

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