A lot of these have had problems with the FTC/Attorney General's office - not to mention BBB. You can do what they do and you won't have to pay their fee. Student loans can't be reduced/settled on unless in the event of a permanent disability (IIRC).
Best bet on the cars is sell them, then the debt is gone. The debt consolidation programs are designed for unsecured debt - credit cards, medical collections, and the like.
Best bet on the cars is sell them, then the debt is gone. The debt consolidation programs are designed for unsecured debt - credit cards, medical collections, and the like.