While its true that we’ll likely be looking into consolidation of some sort down the road -  as I understand it, it usually makes sense – I’m pretty put off by the sneaky tactics these loan consolidation companies are using.  How many people get duped and think they’re calling the government or the private entity they’ve taken out a loan with when in reality they’re calling a debt consolidation company?

I’ll be looking long and hard before we choose a company to consolidate our loans – anyone who is willing to trick you to get you in the door will have no problem lying to you once youre a customer.