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.