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I use Direct Loan and my wife uses Sallie Mae, both are very easy to work with and offer .25% break if you allow them to automatically debit your account.

If you have previously consolidated loans you may have trouble with Sallie Mae. There government has put restrictions on Sallie Mae as to the types of loans they can consolidate. I had this problem when I tried to consolidate graduate and undergraduate loans because I had already consolidated my undergraduate loans with UNIPAC who was not very good to work with (This was 10 years ago, they may be better now). In any case these rules do not apply to the Direct Loan program since the Federal Government gaurentees all loans anyway.

Good Luck!

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