I was unable to secure work after school......then had some personal problems. I know that my loan is totally outstanding havent made a payment. Need to take care of it. Scared to death. Afraid to call them. Do not know what to do. Originally, i thought okay, i will get a loan and pay the whole thing off and then pay that off. But i have read that is not the way to go? This debt consolidation thing......what does this mean? I dont know what to do, where to go to ask for help that isnt a scam or affiliated with the collection agencies....help!