im to far behind on my payments and they already put it into debt collectors is there a way i can get debt consolidation for a student loan default?

i keep seeing info for debt consolidation and all of these companies will NOT touch student loans!? what can i do? my credit is bad so i cant get a bank loan

There are many sites on the web, but most of them charge monthly fees and setup costs. I need help managing my credit, developing a budget and getting out of debt. Are there any good companies or non-profit organisations that provide these services?

I signed up for Care one debt consolidation and I failed to make a payment because I am overdrawn on my checking account. I feel that this company shouldn\’t have called me at all about the drp program because I have no assets.So, how can I get rid of debt and does anyone here know another debt mangement program company they use?

I have a bunch of hospital bills that really cost me in credit scores. I really want to try to consolidate it but I can’t find anyone who does debt consolidation without credit card debt. Any suggestions?