thank you all for giving me this information, and helping me out but I have decided to just my debt on my own. Thanks for your helpful ideas.
@Dustink Thanks for the luck and i will most difinitely take your advice
It is highly advised that you begin your consolidation one month before you wish the consolidation to take effect, it is important to plan everything very carefully. By the reason of student loans are charged a different interest rate set by the Federal government, it is recommended choose specific time for each creditor.