I consolidated my school loans with student loan relief services. they charged $400 to do this, plus $40 each month to oversee all my loans from here on out. Despite the monthly fee, they are not very responsive and slow to resolve issues. My loans are being consolidated (now over 5 months later), but not complete. Frustrating process, wish I could get these services for less money (since I could probably do it myself except loan providers do not make it easy to do these things independently).