Sometimes I can’t decide what’s the worst part about my student loans…the $600 in interest that accrues every month, or the student loan consolidation vultures who mercilessly spam me with offers I do not even qualify for. Just today I received no less than four solicitations from different companies who want me to consolidate my student loans with them. My mail won’t even fit in my mailbox anymore. I called the Opt-Out phone number two months ago and it’s done nothing to stem the carnage.

The crazy thing is that I can not possibly qualify for their offers. Federal loans can only be consolidated once, and I did that when rates were lower a few years ago. The amount of trees that are wasted on this useless barrage is a shame. Anyone got any ideas?