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Also I’d rather just work with Navient as I’m already paying off loans through them.Can I work with Navient instead and have them consolidate the debt with them rather than giving all this info to the collector and having them send it to Do E and Navient?

You consult a company that promises to lower your payment to 0 per month and your interest rate to 9% by negotiating with your creditors and rolling the two loans together into one. Who wouldn’t want to pay 0 less per month in payments?

I haven’t done a full credit check, but I get credit updates from a few accounts I have and nothing shows that I have missed payments, or any delinquency.

You’re in deep with credit cards, student loan payments and car loans.

Let’s say you have ,000 in unsecured debt—think credit cards, car loans and medical bills.

The debt includes a two-year loan for ,000 at 12% and a four-year loan for ,000 at 10%.

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