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December 8, 2009 at 9:13 pm Im also in Canada, and was disappointed to see that the contest was limited to US residents.
All they will have to do is pay an upfront security deposit for the loan because of their bad credit history, the problem is that the loan will never arrive and the security deposit will be lost.
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banks can only ‘create money if they have reserves ie deposits from customers/wholesale markets.
Madison, student loan consolidation is a free service offered by the government – the companies you mentioned are all refinancing companies.
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There is also the issue about late payment penalties, longer loan tenure, and so on that must be compared beforehand.
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