* Credence Consultants is a private organization and is not a government entity.Credence Consultants is a Document Preparation, Submission and Tracking Service. Our free counseling session will identify what Federal programs are available for you and is not legal or financial advice. Our service is only for the Preparation, Submission & Tracking of your Federal Student Loan Consolidation Documents. Consumers may choose to complete their own consolidation documents based on the federal programs and are not obligated to use a third party resource such as Credence Consultants. Credence Consultants not facilitate the negotiation of a debt, the settlement of a debt or the altering of a debt it's services are only for the assistance and completion of federal student loan program documents. *Results May Vary and are Solely Based on The Federal Consolidation Program You Choose.