I've been trying to consolidate my loan from ACS to Direct Loans since July 1st, when the new interest rates came out. Originally I was told the whole process would take a couple weeks, but whenever Direct Loans would send out the payoff amount request to ACS, ACS would never receive it. This went on for weeks before I got Direct Loan to fax the request to ACS. Finally a few weeks ago Direct Loans said they got the payoff amount from ACS and that they would send out the amount to ACS on September 14th. Since then I've gotten a bill... read full review »