Doc Prep helped me consolidate my loans after a terrible default. Their fees were pretty reasonable. I already pay to have my taxes done so why not make sure all the Is are dotted and Ts are crossed.. They let me know ahead of time that I can most definitely do it myself however I knew having a prep company do it for me would be much more efficient and get done right the first time. I have never had a problem with them. They also contact me annually to recertify, which is very convenient.