Please do not use this company they will take your money and not conslidate your loans . I was told to pay $150 and that they will conslidate my loans they have yet to do so. I spoke to the department of education and was told that i do not need to pay a 3rd party to consildate my loans . i can go on the website and do it myself for free. so please do your research and do it yourself fo free and you do not need to deal with a 3rd party esp this one. ANdrew Hall is the agent assigned to cases. his manager is Kristy. please donot use them