The number is for National Credit Management. If you call the number back, you get an automated voice system that does not tell you who you called, just asks you to dial an extension if you know one, or wait for someone to answer. It then talks about making a payment to your account. When you actually get to talk to someone, he/she is very evasive about answering questions about who they work for ("It depends..."). My federal student loans were consolidated in October, with a new loan servicer of Great Lakes, so no one else should be calling me. Due to my low income, my current student loan payment is $0 (ZERO dollars) under the Income-Based Repayment Plan. Please note that you do NOT have to make several payments first before you can qualify to consolidate your federal student loans.