Encompass Recovery Group is a Loan Consolidation Company that helps combine all of your loans into a single payback amount by enrolling them in a program that will enable you to reduce monthly payments while we work on your behalf to negotiate a lower interest rate. Loan consolidation can save you money by lowering your interest rate and giving you the option to choose a repayment plan that fits your budget. If you're struggling to make ends meet each month, it might be time to consider consolidating your loans.