You will get TONS of junk mail like this the older you get… all of them are tied to hidden fees you have to read the fine print to decipher….usually agreeing to pay a fee per month or extraordinary interest. If you want to consolidate your loans, talk to your lender or your schools fin aid office, don’t go through someone who is soliciting you by mailing you money.

if you have a Federal Loan, you can contact them to consolidate it (that’s what i did). or if you want to shop around, contact reputable loan companies like Sallie Mae or other ones in your area that maybe friends or family used. consolidating is great because you have a locked in interest rate and only have to pay one bill instead of 3 or 4. legally the federal loan agencies cant recommend consolidation businesses if your interested in shopping around. hope this helps!

definately shop around. some of the more nkown companies: dept of education, ACS, nelnet, sallie mae (dont go with them as their customer service is in india), citibank, suntrust, bank of america.

i would pick nelnet, citibank, or the Dept. of Ed. in terms of customer service.

the rate will be the same, but you are shopping around for incentives.

i wont sell you on nelnet, but we are open 24/7.

good luck either way.