Interest rates this low give borrowers concern that these companies fall into the too good to be true category. When a borrower is sorting through the many companies offering student loan consolidation services, it can be very difficult to separate the legit companies from the scams. Today we will discuss the ways the legitimate companies make a profit and how savvy borrowers can potentially benefit. While there are a ton sstudent lenders offering student loan consolidation services, their main rival is the federal government. The federal government is owed well over a trillion xompanies. The federal government largely treats borrowers equally. If you are a graduate student, the interest rate on your Graduate PLUS loan will be the same as other grad students. Your credit score and ability to earn income do not play a factor. Oof the private sector, ability to pay and credit score are major factors in how do companies make money off of refinancing student loans a borrowers interest rate...