Finished Rehab - Exploring Options
I am no expert on student loans but as far as I know GC Services is a vendor for the US Department of Education and do student loan consolidation. So if the paperwork is all in order, they should work along the terms they set, unless of course you default.
You cannot just walk into a bank and have them rehab a federal loan. Your guarantor is arranging it for you...you do not have any choice.
Same goes for the collection fees...you must agree to capitalize the collection fees. No choice in the matter. Your paperwork is standard DOE rehab information.