consolidating private student loans

Does anyone know where I can consolidate private and student loans together or at least lower my private loan?

Right now the interest rate is toooo high and Sallie Mae won’t consolidate it because I didn’t finsh the class.

I was going to tell you Sallie Mae is the best in my opinion. If they won’t do it I’m not sure who will. I have never heard of them not consolidating a loan because you didn’t finish the class. I mean if you failed the class they would still consolidate your loans. Maybe your school can help by changing the status of that class. Good luck. Sorry I couldn’t help more.

Student Loans: Risks and Realities $107.55 This timely volume objectively addresses the major issues and questions raised about student aid programs. It examines the realities of student loans and provides a balanced analysis of the present and future prospects for financing higher education. Educators, guarantee agency administrators, and state and federal officials analyze student indebtedness and the repayment of loans. They evaluate how five other industrialized nations structure grants and education loan programs and address the challenging problem of extending opportunities for higher education to low-income students. The vital need for support in the application process and for debt management counseling in high schools and colleges is discussed, as is innovative private sector support. A necessary resource for everyone concerned with higher education issues.

Graduation Debt: How to Manage Student Loans and Live Your Life $7.42 <i>Graduation Debt</i> is different from the competition because it provides a step-by-step road map for effectively managing student loan debt and having a successful financial life. Yet, it’s completely positive. The focus is less on sacrifice and more on not wasting money, so readers can live better lives while paying off debt.<p>The book's content is divided into small subsections geared toward those neck-deep in student debt. The brevity of each section makes the book digestible to those who aren’t inclined to focus on their finances. Readers are encouraged to take action steps such as finding long lost student loans that may have gone into default, discovering payment plans they can afford, consolidating loans when it makes sense to do so, saving money on eating out and groceries, improving credit scores, tweaking their debt-to-income ratios that's needed to buy a home, discussing their student loan and non-student loan debt with their significant others.<p>By the end of the book readers will be on the road to managing all their debt and having extra money for vacations and other fun stuff, too.About the Author.<p>Introduction.<p>1 Evaluating Your Student Debt Situation.<p>2 Organizing Your Student Debt Payments.<p>3 Consolidating Your Federal Loans.<p>4 Managing Your Private Loans and Payoff Strategies.<p>5 Budgeting for Your Lifestyle and Your Loans.<p>6 Paying Off Your Non-Student-Loan Debt.<p>7 Understanding How Your Debt Looks to Lenders.<p>8 Surviving Debt and Relationships.<p>9 Budgeting During Inflation.<p>10 Budgeting Through Layoffs, Pay Cuts, and Career Changes.<p>11 Paying Off Your Student Loans Early.<p>12 Reaping the Rewards of a Frugal Lifestyle.<p>Index.<p>Reyna Gobel, M.B.A., M.J., is a freelance journalist who specializes in financial fitness. Her financial advice appears regularly on www.investopedia.com and Y@®záG®ÿ¾Úð

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Federal Student Loans $146.95 Federal Student Loans

Federal Student Loans: Revisited $56.64 Federal Student Loans: Revisited

Surviving Your Student Loans $18.98 Surviving Your Student Loans by Nancy Mitchell Published in 2006 by Booklocker.com

Student Loans: The Costs & The Consequences : A Review Of Student Fina $177.9 Student Loans: The Costs & The Consequences : A Review Of Student Fina

Loans by Private Individuals to Foreign States Entitled to Government ... $12.61 Loans by Private Individuals to Foreign States Entitled to Government ...

Loans by Private Individuals to Foreign States Entitled to Government ... $21.27 Loans by Private Individuals to Foreign States Entitled to Government ...

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Loans by Private Individuals to Foreign States Entitled to Government $18.11 Loans by Private Individuals to Foreign States Entitled to Government

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Bankrupt Your Student Loans: And Other Discharge Strategies $38.95 Bankrupt Your Student Loans: And Other Discharge Strategies

Bankrupt Your Student Loans: And Other D $27.96 Bankrupt Your Student Loans: And Other D

Student Loan Systems by Country: Student Loans in the United States, Tertiary Education Fees in Australia, Student Loans in Canada $19.99 Student Loan Systems by Country: Student Loans in the United States, Tertiary Education Fees in Australia, Student Loans in Canada

Bankrupt Your Student Loans: And Other D $27.88 Bankrupt Your Student Loans: And Other D

Bankrupt Your Student Loans: And Other Discharge Strategies $26.78 Bankrupt Your Student Loans: And Other Discharge Strategies

Borrowing Inequality: Race, Class, and Student Loans $29.88 Borrowing Inequality: Race, Class, and Student Loans

Credit For College;: Public Policy For Student Loans, $1.5 Credit For College;: Public Policy For Student Loans,

Take Control of Your Student Loans $3.98 Take Control of Your Student Loans by Robin Leonard, and Shae Irving 1st ed Published in 1997 by Nolo

How to Wipe Out Your Student Loans and Be Debt Free Fast: Everything Y $14.88 pAccording to a recent study by the National Center for Education Statistics, an estimated 65 percent of recent college graduates are burdened by student loans. Although the average debt is $19,000, loans can exceed $50,000 and may be much higher for those who attend graduate school, law school, or medical school. Many students, faced with the task of repaying such a large amount of money, become overwhelmed merely thinking about it. But, using this new book, you can learn how to eliminate your student loans and be debt free. In this exhaustively researched book, you will learn everything you need to know about student loans, including grace periods, deferment, forbearance, interest rates, co-signors, exit counseling, prepayment, discharges, cancellation, default, and much more. You will create a repayment schedule; understand the various repayment options, such as graduated repayment, level repayment, income-sensitive repayment, extended repayment, serialization, and income-contingent repayment; and be able to choose the appropriate plan for your unique situation.Additionally, you will learn how to save money through consolidation, how to secure the best interest rate, how consolidating can improve your credit score, how to use lender incentive programs to save money, and how to lower interest rates. Whether you are a current student looking to get a jumpstart on repayment or you are a recent graduate trying to wade through the letters you are receiving from your lenders and consolidation companies, How to Wipe Out Your Student Loans and Be Debt Free will be an indispensable companion.

Cramdown: Renegotiating Mortgages, Car Loans, Student Loans, Credit Ca $19.95 Chapter 1: The Spirit of Renegotiation Chapter 2: Mortgage Modification Chapter 3: Foreclosures and Deeds-in Lieu Chapter 4: Short Sales Chapter 5: Settling Credit Card Balances Chapter 6: Auto Loans and Leases Chapter 7: Student Loans Chapter 8: Personal Loans Chapter 9: Payday Loans Chapter 10: Taxes Appendix 1: After the Cramdown/Credit Repair Appendix 2: Letters, forms, etc.

How to Get Private Business Loans $12.48 This book explains how to borrow money from people, companies or investors who do not typically require detailed loan submission and approval processes. Generally, private lending requires less formal processes and has different and potentially lower lending criteria requirements than those from traditional lending institutions such as banks and venture capital firms. This book was created to help startup business and small entrepreneurs obtain funds for the startup and initial expansion of their businesses. It was created from actual experiences of finding private lenders, creating the necessary materials and communicating with potential lenders, creating the loan agreements and following up to obtain the checks. Traditional lending institutions have a difficult time evaluating intellectual and business capital that small startup businesses may have or are in the process of creating. As a result, small business owners are typically ignored or even avoided by traditional lenders such as banks. When seeking private business loans, it is helpful to know how to identify and meet potential private lenders. Private lenders range from family and friends with limited amounts of money to wealthy people. Once you have identified potential lenders, you will want to communicate with them in a way that motivates them to listen to you (the first achievement) and to potentially lend money to you or give you names of other people who may lend money to you. This book helps you to learn effective ways to communicate with private lenders along with methods that help to motivate private lenders to respond and take action. Included are sample scripts of discussions with potential lenders. While it is not recommended that you use these sample scripts exactly as they appear in this book, they should help you to develop your own styles and scripts. You will discover how it can be beneficial to have a story to tell on why you need the money, how you plan to use it and what kind of results you expect from using the money. The typical and optional loan terms contained in loan agreements are described and explained. Some of the terms covered and explained are the amount of the loan, timing of repayment, types of interest applied, performance options, stock/equity options and loan guarantees. Sample loan agreements are included. One of the key advantages of private lending is the short amount of time between asking for money and actually receiving it. You will learn that the process of obtaining private loans can vary from days to weeks compared to weeks or months for obtaining funds from equity investment. Regulations exist for the soliciting and borrowing of private funds and these regulations can dramatically vary from State to State. While this book will provide descriptions on how to approach people and provide descriptions on processes used to obtain private loans, you should contact competent regulatory authorities, attorneys, and qualified...

Surviving Your Student Loans $18.95 This is a debt-management book for student loan borrowers. It educates borrowers on the usages and qualifications for forbearance and deferment...

How to Wipe Out Your Student Loans and Be Debt Free Fast $19.75 How to Wipe Out Your Student Loans and Be Debt Free Fast

National Issues in Education: Community Service and Student Loans (Nat $4 National Issues in Education: Community Service and Student Loans (Nat

Student Loans: The Next Steps (david Hume Paper, 15) $32.95 Student Loans: The Next Steps (david Hume Paper, 15)

Grants for Scholarships, Student Aid, and Loans 2000-2001: Covers Gran $53.63 Grants for Scholarships, Student Aid, and Loans 2000-2001: Covers Gran

Surviving Your Student Loans $5.76 This is a debt-management book for student loan borrowers. It educates borrowers on the usages and qualifications for forbearance and deferment. It is designed to assist the borrower in avoiding the economic hazards of capitolized interest, delinquency, and default.This debt-management book for student loan borrowers educates them on the usages and qualifications for forbearance and deferment. It is designed to assist the borrower in avoiding the economic hazards of capitalized interest, delinquency, and default. (Education/Teaching)

Loans & Grants from Uncle Sam $9.98 How much federal aid should a family expect? Is there any real difference between lenders? Which repayment office is best? Loans and Grants takes families through the maze to make sure they get their fair share of the nearly $70 billion in available federal student aid. Loans and Grants demystifies the jargon of financial aid, defining such confusing terms as: Pell grants Need analysis FAFSA, SAR and ISIRs Stafford Loans PLUS loans Direct Loans Perkins Loans Loan Limits Interest Rates Default Deferments Consolidation Cancellation Verification Forbearance Forgiveness

Loans & Grants from Uncle Sam $3.98 How much federal aid should a family expect? Is there any real difference between lenders? Which repayment office is best? Loans and Grants takes families through the maze to make sure they get their fair share of the nearly $70 billion in available federal student aid. Loans and Grants demystifies the jargon of financial aid, defining such confusing terms as: Pell grants Need analysis FAFSA, SAR and ISIRs Stafford Loans PLUS loans Direct Loans Perkins Loans Loan Limits Interest Rates Default Deferments Consolidation Cancellation Verification Forbearance Forgiveness

Loans and Grants from Uncle Sam $7.48 How much federal aid should a family expect? Is there any real difference between lenders? Which repayment office is best? Loans and Grants takes families through the maze to make sure they get their fair share of the nearly $70 billion in available federal student aid. Loans and Grants demystifies the jargon of financial aid, defining such confusing terms as: Pell grants Need analysis FAFSA, SAR and ISIRs Stafford Loans PLUS loans Direct Loans Perkins Loans Loan Limits Interest Rates Default Deferments Consolidation Cancellation Verification Forbearance Forgiveness

Loans & Grants from Uncle Sam $5.48 How much federal aid should a family expect? Is there any real difference between lenders? Which repayment office is best? Loans and Grants takes families through the maze to make sure they get their fair share of the nearly $70 billion in available federal student aid. Loans and Grants demystifies the jargon of financial aid, defining such confusing terms as: Pell grants Need analysis FAFSA, SAR and ISIRs Stafford Loans PLUS loans Direct Loans Perkins Loans Loan Limits Interest Rates Default Deferments Consolidation Cancellation Verification Forbearance Forgiveness

Loans & Grants from Uncle Sam $3.98 How much federal aid should a family expect? Is there any real difference between lenders? Which repayment office is best? Loans and Grants takes families through the maze to make sure they get their fair share of the nearly $70 billion in available federal student aid. Loans and Grants demystifies the jargon of financial aid, defining such confusing terms as: Pell grants Need analysis FAFSA, SAR and ISIRs Stafford Loans PLUS loans Direct Loans Perkins Loans Loan Limits Interest Rates Default Deferments Consolidation Cancellation Verification Forbearance Forgiveness

Loans & Grants from Uncle Sam $3.98 How much federal aid should a family expect? Is there any real difference between lenders? Which repayment office is best? Loans and Grants takes families through the maze to make sure they get their fair share of the nearly $70 billion in available federal student aid. Loans and Grants demystifies the jargon of financial aid, defining such confusing terms as: Pell grants Need analysis FAFSA, SAR and ISIRs Stafford Loans PLUS loans Direct Loans Perkins Loans Loan Limits Interest Rates Default Deferments Consolidation Cancellation Verification Forbearance Forgiveness

Financial Aid: Student Financial Aid, Marshall Scholarship, Student Loans in Canada, Slm Corporation, Claiborne Pell $14.14 Financial Aid: Student Financial Aid, Marshall Scholarship, Student Loans in Canada, Slm Corporation, Claiborne Pell

How to Wipe Out Your Student Loans and Be Debt Free Fast $14.55 Learn everything about student loans, including grace periods, deferment, forbearance, interest rates, cosigners, exit counseling, prepayment, discharges, cancellation, default, and more.

Income Contingent Loans in Public Policy $90 As higher education rates increase throughout the westernised world, student support is recognised as crucial in many countries. This new book by Bruce Chapman analyses income contingent loans and particularly their use in supporting students.

How to Get Private Business Loans; Finding Lenders, What to Say and Sample Loan Agreements $12.76 How to Get Private Business Loans; Finding Lenders, What to Say and Sample Loan Agreements

Education Finance in the United Kingdom: Student Loans in the United Kingdom, Top-Up Fees, Voluntary Aided School $14.14 Education Finance in the United Kingdom: Student Loans in the United Kingdom, Top-Up Fees, Voluntary Aided School

How to Get Private Business Loans; Finding Lenders, What to Say and Sa $10.37 Private lending is the process of borrowing money from companies, investors or other people who do not typically require detailed loan submission and approval processes. Generally, private lending requires less formal processes and has different and potentially lower lending criteria requirements than those from traditional lending institutions such as banks and venture capital firms. This book was created to help startup business and small entrepreneurs obtain funds for the startup and initial expansion of their businesses. It was created from actual experiences of finding private lenders, creating the necessary materials and communicating with potential lenders, creating the loan agreements and following up to obtain the checks. Traditional lending institutions have a difficult time evaluating intellectual and business capital that small startup businesses may have or are in the process of creating. As a result, small business owners are typically ignored or even avoided by traditional lenders such as banks. When seeking private business loans, it is helpful to know how to identify and meet potential private lenders. Private lenders range from family and friends with limited amounts of money to wealthy people. Once you have identified potential lenders, you will want to communicate with them in a way that motivates them to listen to you (the first achievement) and to potentially lend money to you or give you names of other people who may lend money to you. This book helps you to learn effective ways to communicate with private lenders along with methods that help to motivate private lenders to respond and take action. Included are sample scripts of discussions with potential lenders.While it is not recommended that you use these sample scripts exactly as they appear in this book, they should help you to develop your own styles and scripts. You will discover how it can be beneficial to have a story to tell on why you need the money, how you plan to use it and what @$½p£×ÿ¾Úð

Competition In A Consolidating Environment $96.03 Competition In A Consolidating Environment

Consolidating Mexico's Democracy $70 Consolidating Mexico's Democracy

Consolidating Mexico's Democracy $35 Consolidating Mexico's Democracy

Loans by Private Individuals to Foreign States Entitled to Government $21.88 Publication date: 1842 Notes: This is an OCR reprint. There may be typos or missing text. There are no illustrations or indexes. When you buy the General Books edition of this book you get free trial access to Million-Books.com where you can select from more than a million books for free. You can also preview the book there.

Loans and Investments $18.35 Loans and Investments

Loans and Investments $24.88 Loans and Investments

Loans And Investments $24.49 Loans And Investments

Loans And Investments $31.73 Loans And Investments

Condemning Students to Debt: College Loans and Public Policy $2.92 An in-depth investigation of the growing burden that the shift from student grants to loans has placed on America's lower- and middle-class students and their families. The contributors point to the warning signs that this shift may be pushing the cost of the American dream out of reach for many women and minority students and making education a dangerously risky investment.

Student Lecture Notes to accompany Macroeconomics: Private and Public $10 Student Lecture Notes to accompany Macroeconomics: Private and Public

Guitar For Students: A Method For The Classroom And Private Student $36.01 Guitar For Students: A Method For The Classroom And Private Student

The Scholarship Book, 13th Edition: The Complete Guide to Private-Sector Scholarships, Fellowships, Grants, and Loans for the Undergraduate $19.78 This comprehensive guide to private-sector scholarships, grants, and loans gives students essential tips for determining which awards they qualify for, helps them write winning essays and cover letters, and provides useful lists of recommended Web sites and publications.

Consolidating Conquest $38.48 Consolidating Conquest : Ireland 1603-1727 (Longman History Of Ireland) by Padraig Lenihan Edition 1 Published in 2008 by Longman

Zero Debt for College Grads: From Student Loans to Financial Freedom $9.91 As the cost of a college education continues to increase at a rate of about 9% annually— nearly three times the rate of inflation— more and more college students are taking out loans to cover tuition, fees, and other expenses. Median undergraduate student loan debt is currently close to $20,000, and graduate students end up with an additional $32,000 in debt upon graduation. Pile on thousands more in credit card debt, and many college students today graduate with massive financial burdens that they are not prepared to handle.  In Zero Debt for College Grads, noted personal finance expert Lynnette Khalfani provides a thorough roadmap for stress-free living that will allow recent graduates to focus on their burgeoning careers while navigating the ups and downs of their financial responsibilities.

Zero Debt for College Grads: From Student Loans to Financial Freedom $9.86 As the cost of a college education continues to increase at a rate of about 9% annually—nearly three times the rate of inflation—more and more college students are taking out loans to cover tuition, fees, and other expenses. Median undergraduate student loan debt is currently close to $20,000, and graduate students end up with an additional $32,000 in debt upon graduation. Pile on thousands more in credit card debt, and many college students today graduate with massive financial burdens that they are not prepared to handle.P PInIZero Debt for College Grads/i, noted personal finance expert Lynnette Khalfani provides a thorough roadmap for stress-free living that will allow recent graduates to focus on their burgeoning careers while navigating the ups and downs of their financial responsibilities.P P Zero Debt for College Grads, by Lynnette Khalfani, puts into plain English what many recent college graduates need to hear: lay off the credit cards and expenses and be a bit more realistic with your lifestyle.bI--The New York Post/i/b Zero Debt for College Grads, by Lynnette Khalfani, puts into plain English what many recent college graduates need to hear: lay off the credit cards and expenses and be a bit more realistic with your lifestylebI.--The New York Post/i/b

The Business Knowledge Repository: Consolidating and Accessing Your Ways of Working $25.6 How do we define the nature of our business, gather everything that we know about it, and then centralize our information in one, easily accessed place within the organization? Breslin and McGann call such knowledge "our ways of working" and the place where it will be found a "business knowledge repository." All of a company's accumulated operations data, its manuals and procedures, its records of compliance with myriad regulations, its audits, disaster recovery plans--are essential information that today's management needs at its fingertips, and information that tomorrow's management must be sure can easily be found. Breslin and McGann show clearly and comprehensively how business knowledge repositories can be established and maintained, what should go into them and how to get it out, who should have access, and all of the other details that management needs to make the most of this valuable resource and means of doing business. An essential study and guide for management at upper levels in all types of organizations, both public and private. Breslin and McGann show that once an organization's knowledge of itself is formulated into its "ways of working," its so-called object orientation makes it easily maintained. The repository approach to organizing and consolidating knowledge makes it possible for all of its potential users to access it easily, without having to go to one source for one thing they need and to another for another thing, a tedious and costly procedure in many organizations that have allowed their information and knowledge resources to not only grow but become duplicated as well. The repository approach also makes it possible for management to organize and access information by job functions, and to make it available to employees more easily in training situations. Regulators and auditors are also more easily served. As a result, CFOs will find their annual audit and various compliance fees considerably reduced. Breslin and McGann's book is thus a blueprint for the creation of knowledge repositories and a discussion of how graphical communication between information systems creators and their client end users can be made to flow smoothly and efficiently.

Consolidating a White Man's Province, 1914-1941 $58.94 Consolidating a White Man's Province, 1914-1941

Hadrian: Consolidating the Empire (Ancient Leaders) $45.55 Hadrian: Consolidating the Empire (Ancient Leaders)

Scholarships Fellowships & Loans (Scholarships, Fellowships and Loans, $1.79 Scholarships Fellowships & Loans (Scholarships, Fellowships and Loans,

Loans by Private Individuals to Foreign States Entitled to Government Protection $15.1 No Synopsis Available

Loans by Private Individuals to Foreign States Entitled to Government Protection $15.1 No Synopsis Available

Loans by Private Individuals to Foreign States Entitled to Government Protection [By T.J. Bramly]. $20 Publication date: 1842 Notes: This is an OCR reprint. There may be typos or missing text. There are no illustrations or indexes. When you buy the General Books edition of this book you get free trial access to Million-Books.com where you can select from more than a million books for free. You can also preview the book there.

Consolidating Peace in Europe $5.48 Consolidating Peace in Europe : A Dialogue Between East and West by Kaplan, and Morton A. Published in 1987 by Pwpa Books

Student's Diary; An Indispensable Note-Book for All Public and Private School Pupils $16.14 Student's Diary; An Indispensable Note-Book for All Public and Private School Pupils

MacMillan's Course of French Composition. 2nd Course. [With] Teacher's and Private Student's Companion $24.02 MacMillan's Course of French Composition. 2nd Course. [With] Teacher's and Private Student's Companion

Student Value Edition for Macroeconomics: Private Markets and Public C $164.95 Student Value Edition for Macroeconomics: Private Markets and Public C

Student Value Edition for Macroeconomics: Private Markets and Public C $87.76 Student Value Edition for Macroeconomics: Private Markets and Public C

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Private Dreams, Shared Visions: Student Affairs Work In Small Colleges $1.12 Private Dreams, Shared Visions: Student Affairs Work In Small Colleges

The Student Pilot's Flight Manual: From First Flight to Private Certif $4.79 The Student Pilot's Flight Manual: From First Flight to Private Certif

Student's Diary; An Indispensable Note-Book for All Public and Private $21.65 Student's Diary; An Indispensable Note-Book for All Public and Private

Generation Debt: How Our Future Was Sold Out for Student Loans, Bad Jo $1.22 <iGeneration Debt</ioffers a truly gripping account of how young Americans are being ground down by low wages, high taxes, huge student loans, sky-high housing prices, not to mention the impending retirement of their baby boomer parents. Twenty-four-year-old Anya Kamenetz examines this issue from every angle and provides a riveting, rousing manifesto that will inspire everyone to take care of their financial future.Anya Kamenetz is a graduate of Yale University and writes for <iNew York</imagazine, <iSalon</i, <iThe Nation</i, and <iThe Village Voice</i, where she earned a Pulitzer Prize nomination for her contributions to the series Generation Debt: The New Economics of Being Young.

Small Loans, Big Dreams $27.55 Small Loans, Big Dreams

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Saint Ghetto of the Loans $12.33 Saint Ghetto of the Loans

Scholarships, Fellowships and Loans $323 Scholarships, Fellowships and Loans

76 Bad Loans : 095632101027 $75.03 76 Bad Loans : 095632101027

Builder's Guide To Government Loans $4.9 Builder's Guide To Government Loans

Saint Ghetto Of The Loans: Grimoire $25.95 Saint Ghetto Of The Loans: Grimoire

Managing Problem Loans $10.9 Managing Problem Loans

Managing Problem Loans $38.72 Managing Problem Loans

Model For Savings And Loans $4.39 Model For Savings And Loans

Scholarships, Fellowships, Grants And Loans $1 Scholarships, Fellowships, Grants And Loans

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Notes On Local Loans $7.88 Notes On Local Loans

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Art Loans : 9041106677 $402.87 Art Loans : 9041106677

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Graduation Debt: How to Manage Student Loans and Live Your Life $11.45 No Synopsis Available

Graduation Debt: How to Manage Student Loans and Live Your Life $11.45 No Synopsis Available

HOW TO WIPE OUT YOUR STUDENT LOANS AND BE DEBT FREE FAST (Paperback) $18.87 Description not available.

HOW TO WIPE OUT YOUR STUDENT LOANS AND BE DEBT FREE FAST (Paperback) $14.78 Description not available.

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Consolidating Peace in Europe: A Dialogue Between East and West $4 Consolidating Peace in Europe: A Dialogue Between East and West

Walking on the Edge: Consolidating Multiethnic Macedonia, 1989-2004 $23.75 Walking on the Edge: Consolidating Multiethnic Macedonia, 1989-2004