What are the advantages and disadvantages of having one of those debt consolidation companies help you?

Verlie Heidi asked: If anyone has any experiences with good or bad in dealing with a debt consolidation company let me know. Would it be a good idea to have one help me if I have about 4,000 dollars in debt?

Any good PERSONAL FINANCE FORUMS out there I can join?

tom asked: I want to learn about Personal Finance and want to learn from other people’s experiences. Are they any good personal finance forums online that i can join? Which are the best.

thank you

What is a reasonable amount of debt to have after completing a PhD program?

Cynthia C asked: I’m working toward a PhD in Political Science. My concentration is International Relations, and I’d prefer to teach at a large research university. I know about how much faculty members in my field earn, but, frankly…I’m a little worried about being able to pay off my student loans.

If you’ve earned [...]