Hi, I have a question about consolidation. I just finished rehabbing my loans with the DOE, now with Direct Loans. Unfortunately, I didn't rehab my Perkins, and it is still in default. I am ready to consolidate now that the Direct loans are rehabbed. Is there a difference in letting the collection agency that is collecting the Perkins loan do the rehab, versus me doing it myself with Direct Loans? Will the collection costs be added into the consolidated loan balance either way? I thought I had heard of collection costs being dropped sometimes, so I want to make sure that is not an option for me before I go w/ consolidation.

Thanks for your advice!