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There is no concern about legitimacy when it comes to National Debt Relief - they are well known and widely respected.
To get started with National Debt Relief you simply complete their short online form to have a friendly consultant call with assistance, or call their toll-free customer service number when the time is right for you.
Previously, commercial banks like Sallie Mae acted as the middleman between the government and student loan borrowers.
The government guaranteed federal subsidies to these private lenders, minimizing the lenders risk while paying them money.
I contacted student loan guru Mark Kantrowitz at Fin Aid.org, who says just three lenders still offer consolidation: Chase, Student Loan Network, and Wells Fargo. You should also know that there are no fixed rates on consolidated private loans; your interest rate will probably be tied to a benchmark like the prime rate, so when that rises, so will the rate on your loan.
Finally, if you have a solid job and a solid credit score, think about looking into a personal loan at a bank or credit union.
Discounts reduce the amount of interest you pay over the life of the loan.