Long story short. I had 4 loans that were in danger of defaulting. I called on April 18th to get them consolidated. US Dept of Education said yes I am approved for consol. but waiting for interest rates to go down in July. Great. In July I get a letter from Debt Collection services stating the whole amount is due in full yada yada. I call and she tells me my file has been turned back over to Dept of Ed for consolidation. Of course I am getting the runaround and being transferred to five different peopl. basically they are telling me they got this file March 20 and reported it as below in June because you get a 60 day grace period. despite my tring to explain to these mental morons that i would have been within the 60 day grace period with the consol. if the Dept of Ed. hadn't held the consolidation for 4 months. Also it's obviou, these are the only loans I had and they were all consolidated(the first acct listed) Obviously it doesn't add up!! they have listed some twice. I mean it's just so glaringly apparent just THAT is wrong.Who can help? I know there are a few people on here who are very knowledgeable about student loans. Thanks in advance! On my reports This is what shows: U S DEPARTMENT OF ED-This is correct and is all loans consolidated Account Number: XXXX Acct Type: Installment Education Loan Acct Status: Open Open Monthly Payment: $69 $0 Date Open: Jul, 2003 Jul, 2003 Balance: $23,166 $23,166 Terms: N/A 300 Months High Balance: $23,166 N/A Limit: N/A N/A Past Due: $0 $0 Remarks: STUDENT LOAN - PAYMENT DEFERRED Student loan - payment deferred Payment Status: Pays account as agreed Current Account Two Year History Year: Year 1 Year 2 2002 > 2003 > Month: 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 Equifax: Experian: ^Top of Page^ U S DEPT OF ED/FISL/AT Account Number: xxxxxx Acct Type: Education Loan Acct Status: Closed Monthly Payment: $0 Date Open: Nov, 2002 Balance: $4,303 Terms: 36 Months High Balance: N/A Limit: N/A Past Due: $4,303 Remarks: N/A Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department Account Two Year History Year: Year 1 Year 2 2002 > 2003 > Month: 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 Experian: ^Top of Page^ U S DEPT OF ED/FISL/AT Account Number: XXXX Acct Type: Education Loan Acct Status: Closed Monthly Payment: $0 Date Open: Nov, 2002 Balance: $6,646 Terms: 36 Months High Balance: N/A Limit: N/A Past Due: $6,646 Remarks: N/A Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department Account Two Year History Year: Year 1 Year 2 2002 > 2003 > Month: 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 Experian: ^Top of Page^ U S DEPT OF ED/FISL/AT Account Number: XXXX Acct Type: Education Loan Acct Status: Closed Monthly Payment: $0 Date Open: Nov, 2002 Balance: $6,604 Terms: 36 Months High Balance: N/A Limit: N/A Past Due: $6,604 Remarks: N/A Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department Account Two Year History Year: Year 1 Year 2 2002 > 2003 > Month: 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 Experian: ^Top of Page^ US DEPARTMENT OF EDU Account Number: XXXXX Acct Type: Installment Installment account Acct Status: Open Closed Monthly Payment: $6,580 $6,601 Date Open: Aug, 1998 Aug, 1998 Balance: $6,600 $6,603 Terms: N/A 36 Months High Balance: $5,000 $5,000 Limit: N/A N/A Past Due: $6,580 $6,601 Remarks: STUDENT LOAN Placed for collection Payment Status: At least 120 days or more than four payments past due Collection account Account Two Year History Year: Year 1 Year 2 2002 > 2003 > Month: 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 Equifax: ^Top of Page^ US DEPARTMENT OF EDU Account Number: XXXXXX Acct Type: Installment Installment account Acct Status: Open Closed Monthly Payment: $6,622 $6,643 Date Open: Aug, 1998 Aug, 1998 Balance: $6,642 $0 Terms: N/A 36 Months High Balance: $5,500 $5,500 Limit: N/A N/A Past Due: $6,622 $0 Remarks: STUDENT LOAN Placed for collection Payment Status: At least 120 days or more than four payments past due Payment after charge off / collection Account Two Year History Year: Year 1 Year 2 2002 > 2003 > Month: 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 Equifax: ^Top of Page^ US DEPARTMENT OF EDU Account Number: XXXXX Acct Type: Installment Installment account Acct Status: Open Closed Monthly Payment: $4,285 $4,301 Date Open: Apr, 1998 Apr, 1998 Balance: $4,301 $4,303 Terms: N/A 36 Months High Balance: $3,500 $3,500 Limit: N/A N/A Past Due: $4,285 $4,301 Remarks: STUDENT LOAN Placed for collection Payment Status: At least 120 days or more than four payments past due Collection account Account Two Year History Year: Year 1 Year 2 2002 > 2003 > Month: 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 Equifax: ^Top of Page^ US DEPT OF EDUCATION Account Number: XXXX Acct Type: Education Loan Acct Status: Closed Monthly Payment: $0 Date Open: Apr, 1998 Balance: $0 Terms: 160 Months High Balance: N/A Limit: N/A Past Due: $0 Remarks: N/A Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department Account Two Year History Year: Year 1 Year 2 2002 > 2003 > Month: 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 Experian: ^Top of Page^ US DEPT OF EDUCATION Account Number: XXXXX Acct Type: Education Loan Acct Status: Closed Monthly Payment: $0 Date Open: Sep, 2001 Balance: $0 Terms: 144 Months High Balance: N/A Limit: N/A Past Due: $0 Remarks: N/A Payment Status: Paid, zero balance Account Two Year History Year: Year 1 Year 2 2002 > 2003 > Month: 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 Experian: ^Top of Page^ USA GROUP LOAN SERVI -Never 120 days past due...That damn TU Account Number: xxxxxxx Acct Type: Installment Education Loan Installment account Acct Status: Closed Closed Closed Monthly Payment: N/A $0 $0 Date Open: Jan, 1995 Jan, 1995 Jan, 1995 Balance: $0 $0 $0 Terms: N/A 53 Months 53 Months High Balance: $1,313 N/A $1,313 Limit: N/A N/A N/A Past Due: $0 $0 $0 Remarks: ACCOUNT TRANSFERRED OR SOLD Transferred to another lender or claim purchased Transferred to another lender Payment Status: Pays account as agreed Account transferred to another office 120 days past due Account Two Year History Year: Year 1 Year 2 2002 > 2003 > Month: 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 Equifax: Experian: Transunion: