I think most smart people can figure this one out. Students in the United States and other western countries go to college after high school. Colleges cost a lot of money. Student take out loans to pay for colleges. Sometimes the government will provide these loans and won't charge interest while the student is in school. After college, a lot of people are left with a mountain of debt that they have to pay off, and then the interest rates kick in. If you have a lot of different debts you can consolidate them and just pay one bill. Different companies offer this consolidation service, and sometimes they are non-profit. It's important for people to pay off their debts on time in order to keep their credit score up, which will keep their interest rates low in the future. Even companies that consolidate loans can make a lot of money. They can essentially pay off all of your debts and then you pay them the sum of your debts, except now your interest charges are paid to them. Just think about that for a minute, and it's easy to understand how this can be very profitable.
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