From my experience if it’s school loans your in trouble. They don’t really have a way to cancel the debt and they follow you for life. Debt consolidation is just that, consolidation. If you have credit cards at high rates they can help you. If this is school loans your in trouble.

You are the best consolidation company, if you need more guidance get the book financial freedom by dave ramsey he has a super excellent plan of how to get you out of debt with a debt snowball method it really works I did it and I am almost debt free. In a way is good that at your young age you are wanting to attack the debt and you will learn how to manage your money early so when you get older you get wealthier.

If you get any tax refund put everything towards the debt.