My ADVICE is to listen to them first. They are actually helping those student loan borrowers to consolidate their loans so to manage their finances easily. So they are looking for those eligible person for this program exclusively to those people who have federal student loans. They will ask for the social to check the student loans. Philly girl is right, you should proceed in a more PLEASANT MANNER to keep a nice conversation. Then they will give you their options and it's for you to choose whether you like it or not. If you grab their offer (only when you are eligible) they will automatically put you on the "do not call" list because you already settled. Now if you don't accept it,, keep BEHAVING NICELY and ask them politely to remove you from their list. the bad thing is that some of the receivers are actually rude.
Another thing if they see that you are not qualified, they will just update your status so that you won't be called again (until they've checked again that you are eligible, that is the time they call you back).