I got the same FINAL NOTICE paper in the mail too from Clarity Solutions. So what my understanding is that the 3rd Party Processing agencies are the ones who charge. I'm hesitant too and I've been getting calls lately saying that I can consolidate and the person on the phone told me my loan balance and told me I was randomly selected from the state for loan forgiveness or something like that. They almost had me I didn't know if to trust it or not.