They don't offer consolidation any more. They exercise their option to deny loan consolidation with outside loan companies. Customer service is too often rude. I have been hung up on by service reps when I was still trying to get assistance. After some research, I've found many examples of others who've faced similar or worse experiences with Sallie Mae. I personally vow that once I've finished paying off my loan, I will NEVER do business with Sallie Mae ever again. I tell everyone I know to steer clear from them.