In order to get through school, I had to take out various student loans because college is obviously not the most affordable thing in the world. My loans came through nelnet, and throughout the course of 4 years, I received so much confusing literature that I couldn't even begin to understand it. I would get paperwork on loan consolidation and how I needed to act "right away," but then I would call them and they would say that it was too soon and I didn't qualify for loan consolidation yet. Their customer service was anything but helpful and in the end, I consolidated my loans through another company -- happily. It seems that nobody at Nelnet can offer up a straight answer.