http://ficoforums.myfico.com/t5/Student-Loans/Bad-advice-from-loan-rep/m-p/1575114#M9575 <p>Are those all individual loans? So you have 90k+ in student loans?  If your loans are in good standing, I see no reason to consolidate. Trust nothing these people tell you. They are not your friend, and they are not very informed. Many of them get a commision/bonus, for getting you to agree to certain payments,consolidations,etc etc. In fact, I would not even communicate with them over the phone anymore. Get everything in writing/email.</p> Wed, 05 Sep 2012 17:37:02 GMT igids1 2012-09-05T17:37:02Z http://ficoforums.myfico.com/t5/Student-Loans/Bad-advice-from-loan-rep/m-p/1575058#M9574 <p>My loans are below, I hope it comes out clear.  My Acs/Brazos loans are in rehab through the NYSHESC, I am in month 4.  Once the rehab is over the loans will be turned over to Suntrust and the NYSHESC acct will be removed from my credit as per the NYSHESC rep.  Now here is the thing, I called to start making payments on the Brooklyn Perkins acct and the rep told me I qualified for the direct loan consolidation.  I told her I was already in rehab with the other defaulted loans and all of my direct loans are in good standing with no lates.  She insisted consolidation was the way to go, where direct loans would take over all of my loans including the ones in rehab so I would just make one payment to direct loans.  I don't think that is a good idea especially since the bulk of my loans are in good standing.  Any advice?</p><p> </p><p>NyshescXXXXXXXXXXXXXXXX5429Not on Record$17,536120+ days past due</p><p>Us Dept EdXXXXXXXXXXX22867/2008$15,252Pays account as agreed</p><p>Us Dept EdXXXXXXXXXXX23864/2009$14,633Pays account as agreed</p><p>Us Dept EdXXXXXXXXXXX20869/2006$11,149Pays account as agreed</p><p>Us Dept EdXXXXXXXXXXX17868/2008$9,589Pays account as agreed</p><p>Us Dept EdXXXXXXXXXXX16863/2008$9,589Pays account as agreed</p><p>Us Dept EdXXXXXXXXXXX24869/2009$7,141Pays account as agreed</p><p>Us Dept EdXXXXXXXXXXX18869/2009$4,794Pays account as agreed</p><p>Us Dept EdXXXXXXXXXXX12867/2002$3,829Pays account as agreed</p><p>Us Dept EdXXXXXXXXXXX15862/2006$3,154Pays account as agreed</p><p>Us Dept EdXXXXXXXXXXX10869/1998$2,843Pays account as agreed</p><p>Us Dept EdXXXXXXXXXXX14867/2004$2,829Pays account as agreed</p><p>Us Dept EdXXXXXXXXXXX13862/2004$2,473Pays account as agreed</p><p>Us Dept EdXXXXXXXXXXX11863/2002$2,180Pays account as agreed</p><p>Us Dept EdXXXXXXXXXXX21867/2007$1,568Pays account as agreed</p><p>BrooklynXXXXXXXXXXR24A12/2002$1,419120+ days past due</p><p>Us Dept EdXXXXXXXXXXX19861/2003$899Pays account as agreed</p><p>Acs/BrazoXXXXXXX88221/2001$0120+ days past due</p><p>Acs/BrazoXXXXXXX88219/1999$0120+ days past due</p><p>Acs/Brazos/1999 $0 Pays account as agreed</p><p>AcscunybkXXXXXXXXXXX820112/2002$0Pays account as agreed</p> Wed, 05 Sep 2012 17:13:10 GMT http://ficoforums.myfico.com/t5/Student-Loans/Bad-advice-from-loan-rep/m-p/1575058#M9574 Tay09 2012-09-05T17:13:10Z http://ficoforums.myfico.com/t5/Student-Loans/Bad-advice-from-loan-rep/m-p/1575114#M9575 <p>Are those all individual loans? So you have 90k+ in student loans?  If your loans are in good standing, I see no reason to consolidate. Trust nothing these people tell you. They are not your friend, and they are not very informed. Many of them get a commision/bonus, for getting you to agree to certain payments,consolidations,etc etc. In fact, I would not even communicate with them over the phone anymore. Get everything in writing/email.</p> Wed, 05 Sep 2012 17:37:02 GMT http://ficoforums.myfico.com/t5/Student-Loans/Bad-advice-from-loan-rep/m-p/1575114#M9575 igids1 2012-09-05T17:37:02Z http://ficoforums.myfico.com/t5/Student-Loans/Bad-advice-from-loan-rep/m-p/1575146#M9577 <p>Yup, over 90K in loans! I have 2 degrees. I really dont see the need to consolidate so I'm going to go with my gut. After the rehab is over I will contact ACS/Brazos and see if they can erase the lates since the loan will be with a completely different lender. Thanks!!</p> Wed, 05 Sep 2012 17:48:42 GMT http://ficoforums.myfico.com/t5/Student-Loans/Bad-advice-from-loan-rep/m-p/1575146#M9577 Tay09 2012-09-05T17:48:42Z