<prompt> Human: I read the FAQ about student loans and it didnt fully answer my question. But I got this offer in the mail and was wondering if it was actually worth it. Right now I make more than enough money to cover my monthly payments and live comfortably. I just wanted to know if this would help pay them off or lower my payments. Thanks  <response>: this business charges money for filling out paperwork that people can fill out on their own for free for programs like Pay as you Earn. If you did want to consolidate, it doesnt help lower the total amount owed so it is not helpful for someone who can make payments 