We had consolidated our student loans with Direct Loans for the purpose of being eligible for the 10 year public service loan forgiveness program. After multiple phone calls and conflicting information as to the correct repayment plan for eligibility, we were given incorrect information and told to sign up for the standard repayment plan. One year later when we called with an unrelated question we found out both of our loans were on incorrect repayment plans and that the year of government service and $20, 000 did not count. They were also... read full review »