Integra Student Services helped me with the consolidation of my loans as well getting me into an income based program in which my monthly payments were lowered from $325 to $103!! Yes they charge a fee for their services ,$1314, but that is broken up into $39/mo. plus my student loan payment of $64, for the total of the $103. I had 12 different loans which were consolidated into one single loan at a weighted average interest rate of all loans. I am enrolled into the Revised Pay As You Earn program in which the government covers the interest for the first 3 years, as well as half the interest that accrues thereafter. My $103 monthly payment is not based upon an interest rate because the income driven programs base your payment off of income and household size. I was extremely satisfied with the way Integra handled my situation and provided excellent customer service. All of my documents were submitted to the Department of Education and I received notice from Fedloan servicing once my consolidation was complete. This is a very reputable company in which I will gladly refer them to family and friends looking to get help with their student loans!!!