I was trying to consolidate my federal hopes to lower my payment. Unfortunately I got scammed by a “company” called Clarity Solutions Center. They essentially stole/took four payments of $274.75 (total 1,102.96) from me charging me to fill out my consolidation paperwork, which I later found out can be done for free. They then neglected to send the paperwork filled out to the company nelnet. Nelnet was the company that informed me of these scams & these forms are free to fill out.