Hi all, I had my loans through Direct Loans they were defaulted, rehabbed, and transferred to NELNET. There are 7-8 of them in goodstanding about 40K in Debt. I am only paying 150/month on them and am wondering if I should Consolidate these? Does Pentagon Federal do consolidations w/ Federal loans? I am a member. I am hoping to consolidate to pay less overall in the long run. Thanks!