I need to consolidate my defaulted student loans

This is NOT my forte, but I don't know that you can consolidate them...Are they in collection right now?

Hi kitagurlie03 and welcome to the forums. Here is a direct link to Direct Loans....they offer Income contingent repayment.

http://loanconsolidation.ed.gov/

Now the link above is only for DOE loans...federally funded loans. Here is a link that provides some info. for consolidation on private loans.

http://www.finaid.org/loans/privateconsolidation.phtml

Just please be aware that this site is sponsered by Citibank who along with several other large banks and also Universities have been exposed as offering the very worst options for students. So make sure you do your research. Hope this helps some. Please keep us informed.

Also if you are not completely sure who is holding all of your loans you can call 1-800-4fedaid and find out.

here is another link that may help you in your search....this reveals much of what is currently finally being exposed.

http://www.debtconsolidationcare.com/student-discussion/salliemae.html

Good Luck and God Bless