<prompt> Human: I fell for it so you dont have to. These companies usually charge around 600 to process 10 minutes worth of paperwork. Its too late for me, but if I can help others out by educating them, Ill call it a net win.You can find out more about student loan consolidation on the wiki or the governments website US here:Check out rstudentloans for other excellent resources thanks uANGR1STIf there are any resources you guys can contribute, Id be happy to add them to this post.  <response>: Theyre not a scam if youre lazy.But it is good advice for those who dont know you can do it on your own.For comparisons sake, its not nearly as onerous as say doing your own taxes, but I guess for people with money to burn and no time to waste it could be a decent option. Just not a very financially smart option. 