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This supposed loan consolidation company did not do what they said they were going to do. They "consolidated" my loans, sure, but they have NOT used that money to pay toward my loans. They have been collecting the money, and now I am delinquent on my accounts, and my student loans are in forbearance. They have ripped me off a total of $570.00. They have also collected my social security number. Do not use this company. This company is a fraud, and they have ruined my credit.