"If I may...If you can pay the loans off in 5 years go for it. At least your repayment plan lets you pay ahead (Years ago, I had a consumer loan that had two options: The full amount of the loan or the scheduled payment. Period.).
You need to…"
"Loan consolidation is the word I was looking for, yes.
If you do not seek out those ads but arrange a meeting in your bank and ask for it, or atleast, your options. That might help a lot. If you could loan the…"
It is if part of why they think they are suspicious, is because they are black.
But such a thing is very hard to demonstrate. I disagree with stop and frisk on constitutional grounds - regardless of the races involved.