DIRECT STUDENT LOAN

if you consolidate, dont go threw an agency, you can do it straight threw the department of education,, its easy, and cuts out the middle man,,, so cheaper, you can set up your consolidation income contingent,,,,, they will base your payments on what you can afford, the direct link to them is http://www.loanconsolidation.ed.gov/borr…
i dont know about the particular place that contacted you, but many of them use names that could easily be confused with the dept of education, or something official,,,,, i went threw it when i was out of work due to a fractured knee,, they wanted money up front, before they would tell me my payments, never told me i could do the same thing direct threw the dept of ed (well i can understand that, lol , they lose money)
the dept of education will base any payments on your income tax return
ps: if you do this, read any mail very very carefully,,,,, i would still receive paperwork, from agencies, that looked very official! always make certain before you sign anything,,,,,,,, for the most part, with consolidation threw dept of ed. ,, you do everything online,, except sign a consent to view IRS records