I consolidated my student loan debt with FedLoan a year or two after graduation.
Is there an easy way to verify that my current balances are accurate? Is this something an accountant would handle, or is there possibly even a subsidized service to check things like this for students?
I have a lot (if not all) of the paperwork received by the loan companies over the years, but I'd rather pay an expert than try deal with it myself, especially to have confidence in the conclusions.
I ask because
- Even when I significantly overestimate my current balance, so that it's way in the favor of the loan companies, I get an amount that is lower than my current balance. (This includes compounding interest, etc.)
- FedLoan claims they reduced my interest rates based on flawless payments, etc., but I don't see an easy way to verify this.
- Previously, before the consolidation, SallieMae also claimed to have given me interest-rate "breaks" for paying on time, but I again see no easy way to verify this.