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Hey guys, I'm finally at a point in life where I can start trying to get my financials straight. I did a great job ****ing things up I defaulted on student loans, and I'm wondering if anyone has any experience either consolidating or going through a 3rd party to get back on track. I also have credit cards in collections, etc., and any advice there would be awesome as well. Right now I'm approaching consolidating the loans through FedLoan Servicing, but I want to keep my options open. Everything that I find through searches online looks like a scam. Thanks for any help!