After college I was in a serious accident where I did not work for 3 years due to surgeries. I lost track of everything and it included these 3 loans. Are thy allowed to transfer them. What is the best way to get them off the report. Right now I am deferring payments on over $40,000 because the monthly payment is over $450. I cannot afford that. Should I try to go to one of the consolidating agencies spoken about in other threads or am I not eligable becuse they are all under one lender now ACS/Suntrust?