I was just about to try for private consolidation when the SM thing occured. I don't have a problem with SM, at least they have a website that works and reports mostly correct info. Some of these small lenders are unbelivably crappy... I was going to try SM private consolidation, that sucks if they aren't doing it any more.
I have an 11.25% private loan serviced by SM right now. I have 715-750 credit scores, surely I can get a real rate. It would honestly be cheaper to put the **bleep** loan on a credit card balance transfer... I'll be looking and I'll let you guys know if I find someone who will consolidate my loans.