[DarknessFalls]

Federal loans are serviced by unscrupulous middle men like Nelnet. Before I understood a thing about federal interest rates and that, at the time, they were quite high historically, they convinced me to "lock in" the interest rate with loan consolidation. Seemed smart, but they were acting in bad faith and not long after, we had the market collapse of 2007.

By the time my loans were discharged, I had fully paid the principal and was treading water on interest. Because I paid the minimums, the interest itself had risen to above the cost of the original loans based on those high interest rates I consolidated with. I would call it predatory, and as far as I'm concerned, my debt between me and the Federal government is paid for by me. Nelnet be damned.