I consolidated my student loans through a company called ISM which sold my loans or was taken over by AES, not sure which. Once mine and my husbands loans were through AES it has been a living hell. First, I was eligible for interest rate discounts through ISM which AES said they would honor. The 2nd month they had my loans they sent me a letter saying I wasn't eligible for the discount because I was late. I had direct debit out of the account but had to make 1 payment by check during the change over. They said that was the payment that... read full review »