I have been repeatedly working to consolidate my student loans, seeking a short term forbearance until the process is complete. Due to financial hardships and a recent divorce, I am not able to make the payments as agreed. I have been repeatedly harassed by the EDUCATIONAL CREDIT MANAGEMENT CORP, XXXX XXXX XXXX XXXX, XXXX MN XXXX Phone # XXXX, who is trying to collect on XXXX loans that were cancelled by the XXXX XXXX XXXX. I am seeking a consolidation of all students loans and currently awaiting a decision from XXXX on the short-term forbearance. I was deceivably told I can not apply for a consolidated loan or forbearance because my loans were in default. Per the Department of Education, I am told I do have to option to consolidate : XXXX 
