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2. How to get out of debt with a low income - AOL

   www.aol.com/finance/debt-low-income-215227915.html

   Lower-income households tend to have the highest credit card debt-to-income ratio, making it even more difficult to pay off debt. However, even those on a low income can take steps to get out of ...

3. How to get out of debt without paying - AOL

   www.aol.com/finance/debt-without-paying...

   Key takeaways. You may be able to get out of debt without paying based on factors like your total debt, type of debt and income. Several programs are available to help forgive student loan debt ...

4. What is a debt consolidation loan — and can it help you lower ...

   www.aol.com/finance/what-is-a-debt-consolidation...

   A debt consolidation loan is best for when you have unsecured debt that you can’t pay off within a year — such as credit cards and high-interest personal loans. Loan amounts can range from ...

5. 4 types of debt you can consolidate

   www.aol.com/finance/3-types-debt-consolidate...

   Debt consolidation is when you take out a new loan to pay off multiple debts and simplify your repayment by potentially reducing the overall cost by securing better terms and interest. While it ...

6. Debt relief: Pros and cons - AOL

   www.aol.com/finance/debt-relief-pros-cons...

   You can consolidate debt through a 0 percent APR credit card or a debt consolidation loan. Debt relief describes the process of reorganizing your debt to make the monthly payments more manageable.

7. New Jersey student loan program - Wikipedia

   en.wikipedia.org/wiki/New_Jersey_student_loan...

   U.S. Student Loan Debt Distribution Q4 2012. The Higher Education Student Assistance Authority (HESAA) is a New Jersey State chartered-loan program, charged with providing student loan financing programs. [1] It has received criticism in the New York Times for what the paper called its "extraordinarily stringent rules". [2]