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Long tenure: Good returns dont mean much if the manager responsible for them is no longer around. If you have a Wells Fargo Time Account (CD) or savings account, you can use it as collateral for a personal loan to get a lower annual percentage rate (compared to an unsecured loan) without touching your savings. Please note the amount in your collateral account equal to the full amount of the loan will not be available for use until the Time Account (CD)/Savings Secured Loan is paid in full. How to Avoid Student Loan Consolidation Scams. Student loans are a necessary evil for many adults trying to obtain a higher education. Single monthly payment â budgeting becomes easier

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