Okay here's the deal
I have two student loans out there on for $4k one for about $3k. Here's the deal, the one for $3k found me, and I am paying them back via garnishment 10% per pay period- $3k left to go. The the one for $4k never officially found me, but I found out they have an offset for my tax return. The lady at FDOE (fl dept educ) advised me to consolidate the loan which will pay them off and release my tax return.

the company I was to contact is Student Loan consolidation out of KY. I think it's US loans-direct loans, or something like that. Question is, how are they as a company? Are they a pain? Or would I come out better just letting the $4k take the tax return, and continue garnishment for the $3k?
any input is appreciated......

p.s. can you consolidate a garnishment?????

Direct Loans is one lender that will consolidate defaulted loans and this truly is your best option. Your defaulted loans will be totally paid off with the old lenders and you get a fresh start with the new lender. Don't make it a habit to miss payments this time around b/c they will get their money no matter what but once consolidated you will again be eligible for deferments and forbearances in times of financial hardship.

Their website is www.loanconsolidation.ed.gov