Top Student Loan Scams

Student Loan Scams

With billions of dollars being loaned to students each year, there is no doubt that there are scammers trying to get your money. Here are some common scams that are happening right now that you should be aware of when looking for student loans.

Advanced Fee Scam​

This scam involves a student loan company that tells you they can get you the "best" interest rate and loan terms, but you have to pay a "small" fee up front for this service. The fee can be anywhere from 1-5% of the loan amount.​

If you come across this offer - RUN! There are no circumstances in which you should have to pay money to get money. Legitimate student loans, even from private lenders, do not require any fees up front. If there are any fees, they are deducted from the disbursement check or they are included in the repayment amount and are amortized over the repayment period.

There are two common fees that will be paid with the loan, but once again, never up front. Federal student loans charge a 1% default fee, but charge no origination fees. Most private loans charge some type of either disbursement fee or origination fee, but these are usually negotiable and vary widely from lender to lender.

This is one of the most common scams we find when talking about the debt relief companies.

Loan Consolidation Scam

After you graduate, it might be a good idea to consolidate your student loans. This is another area that is ripe with scams. The most common student loan consolidation scam is one in which the company charges a consolidation fee, but actually does nothing. The fee is sometimes called processing fees, administrative fees, or consolidation fees.

If you have a federal student loan, there are no fees whatsoever for student loan debt consolidation.

If you have a private student loan, there are a number of lenders who will refinance your private loans, federal loans, or both. Refinancing differs from consolidation in that rather than simply combining all your loans into one, you are actually taking out a separate loan with a new lender who pays off your existing loans. Credible is a comparison tool that allows you to fill out one form and see personalized offers from multiple lenders in the space. Going through any lender that Credible selects for you is NOT a scam.

Finally, if you are considering consolidation, make sure you read our guide on The Right Way To Consolidate Your Student Loans.

Student Loan Debt Elimination Scam

​The important thing to remember about student loan debt is that it must always be repaid - it cannot be eliminated unless you have a federally qualifying reason (death, permanent disability, school closure, falsification of documents or identity theft). If you come across a company that promises to get your student loan debt eliminated, it is a scam!

If It Feels Like A Scam - Make Sure You Protect Yourself!

It's important to remember that if it feels like a scam, it probably is a scam.

But too many times, you get that feeling of being scammed AFTER you gave them your Social Security number, or FinAid login, or some other information.  Don't fret, just protect yourself.

Simply head over to Credit Karma and get a free credit report and monitor your credit.  If anything strange happens, you'll be the first to know.  Check it out: Credit Karma - and it's truly free!​

Secure Application

However, there are times when it's not a scam, but it just seems like one. For example, I get a lot of readers asking about the FedLoan Servicing Scam. FedLoan isn't a scam, but just a poorly run student loan servicing company. Another one I get asked a lot about is NelNet, especially when it comes to their KwikPay Service. Once again, not a scam, just a poorly run program.

I hope this helps you navigate the world of student loans a little better and avoid getting played. If you want to know more, don't forget to check out my Definitive Guide to Student Loan Debt.

Worried You're Being Scammed?​

Are you worried that you could be dealing with a scammer? Stop by our new Student Loan Forum and post about it in the Student Loan Scams section. Protect yourself and protect others as well!​

Readers, have you ever been the victim of a student loan scam?

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    • says

      No I don’t. There is no central hub that tracks this, and the scams usually fall under labels like “Identity Theft” or “Fraud”. However, with student loans dispersing close to $100 billion per year, you know that there has to be more victims that you think.

      • Brianne Nobles says

        Ok I just signed up with “student aid center” and I’m already worried because for one they did charge me a processing fee…but various people from their “company” have called me several times for my login info for fed loan and that had me concerned…they supposedly updated their notes as I have not received any more calls other than from my “counselor” updating me on status. My question: if they did get my loan forebearable approved…shouldn’t I have gotten a confirmation notice of that instead of another statement?

          • Marybeth Langin says

            I just signed up through the student aid center also. I had such student loan debt that I couldn’t do anything because the debt kept adding so much interest that it just kept piling on. I understand that I can pay them to process all my stuff for me, which works because I never stay up on paperwork for that stuff, I have way too much going on at work and in life that I don’t want to deal with it. However, I just want to know what you think about this company or what you have heard? Will they actually consolidate and get my payments lower and forgiven after my 10 years as I am a govt employee?

          • says

            They likely will help you, but you realize that every form you fill out for them will be the same as you would for your own lender? They aren’t doing anything special for you that you couldn’t do yourself. If you can fill out a job application you can fill out the simple form required to switch to IBR. You’re just throwing away money by paying for this.

          • GingerGiraffe says

            I recently submitted paperwork to the Department of Education to enroll myself in the public service loan forgiveness program. About two weeks after faxing in the documents to the DOE, I received a call from Student Aid Center asking if I wanted to enroll in that very program. Since I hardly ever get calls from loan “scammers”, I just assumed they were somehow affiliated with the DOE. It seemed like too much of a coincidence to get a call regarding enrolling in the loan forgiveness program, right after faxing in documents pertaining to it. Well, you know what they say about assuming.

            So of course, like an idiot (or should I say a**), I gave them everything from my SSN to my FAFSA pin, debit card information, and I even signed a power of attorney form to give them permission to manage my loans. As soon as I hung up the phone with them, I had this very uneasy feeling. Sure enough, I looked them up on the BBB only to see they were a scam.

            I immediately called them back and requested to cancel. Fortunately, I was able to get through to the person I originally spoke with, and after some back and forth, she finally forwarded me to a customer service rep who sent me a confirmation email that I had canceled the services with the company.

            The email reads
            “This email serves as confirmation of the successful cancellation of your student loan consolidation and repayment plan application effective on 4/23/2015. We have deactivated all service features at this time.

            For future references, if you would like to continue services with us or need any further assistance, we would be more than happy to assist you. In addition, should you have any other questions or concerns, please do not hesitate to give us a call.

            Please be aware if a refund check is being issued, to allow 5-7 business days to receive it. We thank you for your business, and look forward to welcoming you again as one of our customers.”

            Needless to say, I’m still a paranoid wreck. I immediately canceled my debit card, reset my FAFSA pin, and probably called my loan servicer at least 3 times to inform them of what I’ve done and make sure that if Student Aid Center were to submit the signed power of attorney that they would ignore it.

            Is there ANYTHING else I can do to ensure that nothing comes of this? Is there a difference between my loan servicer and lender? Should I notify both?

            My hope is that once they realize they can’t charge anything since I canceled my debit card, they will leave me alone.

            Thanks in advance!

          • says

            Hi Ginger, you did everything you could have done and should be fine. Just keep an eye out on your account. They can’t charge you, so they likely won’t do anything either.

          • NCCUgirl says

            Ok, so have you heard if student aid center is a scam? I recently dealt with them as well.

        • Student Aid Center says

          Brianne Nobles:
          We thank you for being a valued customer. We are just at the final stage of your process. As you know, we do charge for our services over the same course of time it takes for us to get your loans/paperwork processed for you, but we are not a scam. We follow up and complete every file all while honoring a 100% guarantee; you have nothing to worry about. What you are paying for is not a forbearance, but in turn a thorough service that results in your enrollment in the program you qualified for based on your income, family size, and line of work which will save you close to $10K (according to your file)! We understand doing business in this day and age is scary and we in fact encourage our customers to do their due diligence so they make the right decision. We are happy to note that we have reached out to you to keep you informed every step of the way and we are proud to have been able to complete this process for you. We understand there are scams out there and can see your concern, but we have proven to be a true company. We pride ourselves on customer excellence and value and operate with character and morale. We are grateful to be able to assist thousands that get turned down and/or denied for these same programs through their lender. We make it happen for all who qualify; no conflict of interest here.

          Have an awesome day.

          • says

            Wow, I appreciate the follow-up from this company but it took almost 3 months (check the date stamps) – gimme a break on your customer service promise. Poor girl.

      • J J Smith says

        Have been contacted by a group called offering to reduce my son’s debt to KeyBank by $6000 if we pay off the loan by the end of April. Have you run into this one??? I need answers B4 I send them $9000!!!!

    • Armond says

      I was wondering if the Nationwide Student loan Help Center is a scam or not because I have been seeing a lot of advertisment about it.

      • says

        Never heard of them but it’s probably not worthwhile to pay them anything. Consider going online to first and doing everything yourself. What are you looking to do?

  1. says

    I have fallen victim to a student loan scam. I had an outstanding loan that I was making payments on. I wanted to go back to school but I was unable to get funding aid while I still had my outstanding loan. I received a letter in the mail claiming I could have my student paid off and added to a credit card. I could then make payments on the card. They even offered me more credit on top of that.

    Well they sent me a Mastercard, added the loan to my balance, but never paid off the original loan. The student loan went into default and it was a big mess to clean up after.

    Moral of the story is stick to only to well known government back type of help when it comes to student loans.

  2. Melissa says

    I received a letter in the mail from a place in Orange, CA that called themselves Student Processing Center. Has anyone heard of them. They promised that they would consolidate my loans, after completing my associates degree in nursing, my bachelor’s degree in nursing, and halfway through my masters degree, I owe $51,000. They said that, based on my income and family size, they could decrease my payments to $30 per month, and after 25 years, whatever is left would be written off by the dept. of education. They said they require a fee of $599 up front. It sounds too good to be true. I asked if they were part of the DOE or a third party. The guy, “Kevin,” with whom I was speaking said they were a third party, but I would receive a contract and all the paperwork in the mail. However, I had to pay $599 over the phone before any of this would take place. I checked for this company on the BBB website and found nothing. Anyone ever heard of them? He said their website is StudentProcessingCenter dot com. I looked at it, but, like my husband said, anyone can build a website.

    • says

      Melissa, it’s not a “scam” in the fraud sense, but it is a scam in the waste of money sense.

      Companies like this simply charge you a fee to get you paperwork you could easily get yourself.

      For the student loan consolidation stuff, check out my recent article on the subject:

      For the repayment options, check out my ultimate guide on student loan debt and learn the options you qualify for:

      To change repayment options, you simply call your lender and don’t have to pay anyone!

      • LogicSpeaks says

        So I guess same question as above, since this isn’t a “scam” in the fraud sense, then if I didn’t agree to pay them anything (however gave them too much personal information) does it mean they can still screw me out of more money at this point? Should I create a new checking account number? I almost embarrassed to call my self LogicSpeaks……… but hey, probably have to fall for a scam at least once in your life? :p

        • bhansen3 says

          I just gave them entirely way too much information myself and then had a small panic attack after i got off the phone, did any of your accounts get compromised?

      • Andrew Dolan says

        The same thing happened to me. I just talked to the Student Processing Center today and told them my information. They said my monthly bill would be $29.99. Now I am having second thoughts about this. The contract said that you have up to 30 days to cancel the contract. I don’t know what to do, I am feeling nervous about getting screwed over by them. What can I do about this? Has anyone been able to successfully to get out of this??

        • Andrew Dolan says

          Also, I electronically sign the contract, only one of them and not the second one. I called back tonight and told them I want to cancel and I was told that the manager will call me tomorrow with more information about it. So I hope I’m not locked in to much yet.

          • says

            Hi Andrew,

            Basically, you’re paying them to make a phone call and fill out some paperwork for you. Is it worth a few hundred dollars? Not really – you can do it yourself in the same amount of time you spent on the phone with them.

            I would take the money you’re paying them and put it towards your student loans.

        • Andrew Dolan says

          Thank you, Robert. Do you think I will be able to successfully get out of this thing without anything bad happening to me? I’m a little nervous and I’ve hopefully learned my lesson.

      • Mike says

        How can you justify telling someone not to use a legitimate 3rd party company that is providing them a service of handling the process for them. That would be like you telling everyone in the world to not use CPA’s or tax companies because you can file your taxes for free as well.

        • says

          Hi Mike,

          I think you’re misinterpreting the article and comments, because I’ve never said don’t use a legitimate 3rd party company. The article is about protecting yourself from the hundreds of not legitimate companies that are scamming borrowers.

          However, I also think a lot of “legitimate” companies are acting in a grey area because they are not advising or speaking the truth to borrowers. For example, many aren’t telling the borrowers what they are going to do – like what payment plans or what consolidation options they have. The companies simply promise to lower your payment. Well, that doesn’t always help every borrower, and many times, the borrowers end up in more trouble later.

          Also, with Federal student loans, the options are very cut and dry. There are no grey areas. There are specific payment plans and consolidation options available, and the paperwork to fill it out is easy.

          I have a big problem with companies charging $500 or more to fill out a 5 page form that takes 10 minutes, not educate the borrower, all of which the borrower could do themselves.

          As for the CPA question – if you qualify for free eFile, then yes, you shouldn’t use a tax preparer because you just have a basic form to fill out. There are 50 million filers out there that should be doing it themselves and not paying. Tax companies that charge exorbitant fees and promise big refunds are a problem separate from these student loan consolidation companies.

          If students really want help with their student loan debt, and they can’t do it themselves, the order of operations of who to call/contact is very simple:
          1. Their own student loan servicer, which should provide the options
          2. If they have concerns, call the Dept. of Education Student Loan Ombudsman
          3. If they want a 3rd party, make sure it is an NFCC (National Foundation for Credit Counseling) Certified consumer credit counselor, many of which offer free and discounted services. This will be a much cheaper and smarter option than using a for-profit company that may or may not help with your student loan debt

    • Kat says

      I had basically the same happen, I have to pay $599 upfront and then have to make 240 payments depending on income (pay as you earn) is what they called it, same company name but the website was… Any info on this? Did you end up sticking with it, if so how’s it been going? Thank you in advance.

  3. David Diaz says

    My fiance is working with a company called nationwide student loan, they are supposedly going to be able to consolidate her student loan debt by making payments of $133 for 6 months.Once 6 months of payments have been received they will qualify her based on her income $0 for 12 months and will apparently continue that process until the loan company for fill debt. Is this real?

  4. SteveLen80 says

    I wondered the same.. they want $599 up front to process an application with 2-4 months of skipped payments though.. i opted to go through much of the same info is entered, though the terms of repayment dont seem quite as long, though maybe thats not until you get the info from the new servicer, in my case nelnet and its free to try

  5. Daniel Arturo Bahena says

    Does anybody know anything about the Student Loan Support company? I called them at (866) 233-8481 ext.422 to get information, and it all seemed too good to be true. I couldn’t find anything wrong with it, but I also don’t feel like it’s legitimate. I need to know if anyone has had experience with Student Loan Support in the past. Please offer your experiences. Thank you.

  6. cody says

    I recently started dealing with I found them on Google and contacted them. they are not requiring me to pay anything but they consolidated my loans and because of my income they dropped my payments to $100 a month and after 20 years anything that’s left will be forgiven by the government. I haven’t made any payments yet and also don’t want to give them too much personal information. Is this a scam?

    • Barbara Davidson says

      I spoke to a company National Student Loan Relief Center and they want 625 in 4 payments and they would get my student loans forgiven. They checked with for my loan totals and what they could do for me. I worked 20 yrs with a public non profit state agency. My loans are not going down due to interest. But when I check with the same payment plans come up but not the forgiveness that the company promises. I was advised they are a 3rd party not affiliated with the department of education and I am paying for administrative work to complete the process. When I asked is this for sure the loans are forgiven Alexandria said yes I have already been confirmed that all payments would be 0 income based. Is this for real or a scam.

      • says

        They are charging you for something that you can do yourself – your last line says it all: they are going to change your repayment plan to IBR (Income Based Repayment). On this plan, your payments could be $0, and after a period of time (typically 20-30 years), your loan will just be forgiven. However, there are tax consequences from this, but they could be minor.

        You can set that up yourself, just call your student loan servicer.

        Don’t pay them to fill out some paperwork for you.

    • says

      If it’s a company that wants you to pay them for a something, be aware. You should never have to pay to get your student loan payment plan changed, to get student loan forgiveness, or get deferrals, and more.

  7. LogicSpeaks says

    Greetings, so overly excited idiot me gave way too much personal information to Student Processing Center, however they asked for 599.99 and I stopped. They even ‘lightly’ pushed for me to borrow that 600$ from someone else. I said no I can’t afford it so I just let him go. I don’t think I’ve ever fallen for a scam before… I know down below you said this company isn’t exactly fraudulent, they’re just charging you money for something we could do ourselves (now I know). Will this company screw me with any fees? or are they legit in terms of not doing anything until you agreed on it? I’ve changed my Student aid PIN on FAFSA.ED.GOV Should I call my bank since I idiotically gave them my routing/account number?

  8. April Williams says

    Please tell me if USLPR government program is a scam. These people have all of my information. I called 1.888.609.6997

    • says

      Once again, they are not a “scam” but you’re paying for a service you don’t need and you could probably do yourself by calling your lender.

      You don’t need to pay to reduce your payments, change your payment plan, or get consolidation. All of those can be done with a simple phone call to your lender and filling out some paperwork.

  9. RAW says

    I recieved info from student processing center and gave them my SS# and, email, and they accessed my Fin Aid pin. When they mentioned I would them $599.0 to get the process started and it would be few months before I would have to pay anything I said I needed time to think about it. Should I be concerned about the info I gave them? Is this a serious scam? Im very concerned now.

    • says

      You shouldn’t be concerned from an identity theft standpoint beyond simply being vigilant like you normally should. However, I wouldn’t pay them as you can simply take care of everything they will do for you by yourself. Don’t spend the money.

      • Ebony says

        I am concerned too . I’ve received a letter in the mail. I’ve recently gave my information to the same company and they told me I’ll have to pay $699 for the closing fees. Should I stop the payments and report fraud on my debt card. Cause they said I had to pay the fee within 45 day. And that Student proccess center. Please help

  10. John says

    I’ve recently been working with a guy named Andrew Reyes at “Student Loan Exchange”… their website boasts a lot, and they look legitimate. I set up a payment plan that was supposed to be a “pay for 10 years, and the rest is forgiven” kind of deal. He said it would take 30-90 days, but nothing has been done and it’s been over 90 days. In the mean time, per his advice, I have been withholding payments for 3 months. FedLoan Servicing has been contacting me about these missed payments, and I’m worried I’ve been scammed.

    Is Student Loan Exchange a scam? My “loan officer” has my SS# because I was an idiot and I trusted in what I thought was a legitimate company.

    Any thoughts or advice?


    • says

      I’d be concerned because they haven’t done anything for you in the 90 days they said, and FedLoan doesn’t know and is asking for payments.

      You should never stop making payments – and you can do all of this yourself by simply calling FedLoan.

      I would check your credit to make sure no damage has been done. See the box above for Credit Karma.

      • John says

        Thank you. The only thing that kept me on the hook is that Andrew was very quick to reply to emails, return phone calls… they have a very professional looking website, calling center, etc. I feel pretty stupid to be honest.

  11. nando says

    I signed up with Student Loan Support. They are on the bbb website with a D- rating. They have a address that was the same on my email as it was on the bbb site. I have to pay a starting fee which im fine with as long as the company is legit. Could anyone tell me if this is a legit company?

    • says

      I’ve never heard of it but I’d be concerned by their BBB rating, as well as having to pay a fee.

      You could have done everything they did for you simply by calling your lender. You are paying them for something you could have done.

  12. John Peacock says

    Does anyone know if nationwide student aid is a scam??? I was set up for my payment plan and have been making payments to fed loan servicing company. My loans were consolidated but the individual loans have not yet come off my credit report. My original amount due was 65,000 and now on my credit report its 135,000 bc the consolidated loans are on there… its been about 4 months is this enough time for the non consolidated loans to come off my credit report or does it take longer than that.

  13. Andrew Dolan says

    Is there any other things I should make sure to do or get from them to seal my termination with them for good?

  14. C OLaughlin says

    I met with a credit advisor (in person) to help clean up some credit stuff on our reports. He suggested using a company to consolidate our loans into a program that some have basically described above. We pay 699.00 and they consolidate my loans to where I only pay 33 bucks a month versus the 300 to 400 Nelnet has me paying and after 25 years the loans are forgiven. I understand I could fill out the paperwork myself and I’m, in essence, paying him to do so for me, but my question is more on the forgiveness part and the monthly payment of 33 dollars. I’m a firm believer in that if it sounds too good to be true, it is. It seems surreal that I would qualify for this. Is this something that my credit could be hurt with? Is this a real program?

  15. Tomas alvarez says

    i recive a letter, i contact them we talk about i give him my information as a soon i told him i work in a bank he hang up on me… now im getting second tough , it student processing center a scam?

  16. carole Taylor says

    I received a card in the mail stating “Student Loan Consolidation & Payment Reduction Program Prepared for Carole Taylor”. It continued saying that due to your loan balances totaling over $21,000 you are now eligible to receive benefits from a new law that has passed regarding federal student loans including TOTAL FORGEVNESS in some circumstances and they work on behalf of the Department if Education. I called and was told that since I have been paying my loan in full for more than 22 payments and I currently am employed full time in the public service area I can receive loan forgiveness. can you tell me if this true? in todays world I am skeptical as I am sure most are. any advice would be helpful.
    Thank you

    • says

      Hi Carole,

      I’m sure they want to help, and their mailing campaign sounds appealing. But read the bottom of their website (best disclaimer yet): “Student Loan Education Center offers private, fee based application assistance services to assist consumers in applying for government offered programs. While such programs may be available for free directly by various government agencies, our services are fee-based and focused on application and document preparation. We do not charge fees for access to such programs, only to prepare and counsel relating to such applications programs.”

      Once again, you could do this yourself – they are going to charge you to simply fill out the application…

  17. Erin says

    This is the place that scammed me. They literally called me very single day, multiple times for about 5 months from different numbers yet I still gave them my credit card info? Yes I am stupid but I thought it was legit. THANKFULLY they did not get any money out of me because my bank closed my card down because they noticed RIGHT after I gave them my info from my brand new card I had gotten just days before that it was being used in other states and online. Ugh I am so mad but oh so thankful they didn’t get my hard earned money.

  18. Heather says

    I got something in the mail from student processing center, and called them today. They offered the IBR plan that I had looked into on the FedLoan website, but hadn’t done because my loans are now in forbearance and I was concerned about the law changing someday and I’d be stuck with a large amount of interest from doing the IBR. Student processing center made it sound like I would be “grandfathered” into my payment plan (which would have me paying about $7,000 total after 20 years instead of my actual $49,000 debt). What I’m wondering is, if I decide to just do the IBR payment plan on the actual FedLoan website rather than this student processing center deal, will I be “grandfathered” into this as well, and able to have my debt forgiven after 20, 30 years? Or could I suddenly be subject to a law change and be stuck with even more debt due to added interest? I was pretty excited about this opportunity, but I would have to end up borrowing the $599.00; but if its actually not a scam and they could have me “grandfathered” into this whereas with FedLoan IBR I’m not and perhaps subject to possible changes someday, maybe it would be worth the $599.00?

  19. Ak says

    Can you clarify the taxation on the IBR loan forgiveness program? I have 80,000 in loans. The loans are 3 years old. I qualify for a $0 monthly payment under IBR. My understanding is that interest accrues and unpaid interest is capitalized quarterly. Does this mean that in 20 years the loan will be huge, maybe $500,000? Assuming my income remains low (under $20,000) and taxation policy doesn’t change, how much taxes would I owe?

    • says

      Yes, any interest that is capitalized into the loan and is forgiven is taxable. So, let’s say that your current loan is $80,000 and you never pay it for the full 20 years. You didn’t say what your interest rate was, but I’m going to assume 6.8%.

      You loan balance would be $80,000, and you would have capitalized $54,400 in interest, for a total forgiveness of $134,400. You’d owe ordinary income tax on that balance, which at the current rates would be roughly $33,000.

      You could then setup an IRS repayment plan on this lower amount.

  20. Steve says


    I have been scammed. I did sign the service agreement about 1 and a half years ago and have realized after a year that what I thought was happening was that the monthly service fee was being tacked on to my monthly payment to my loan company which i thought was going through them. But what they are doing is charging me $40.00 a month and I pay on my own. So I did ask them what they do. They told me they provide a service that stays with the loan until it is forgiven. It did not make sense. So I am being charged money for them to do nothing. They handle no money for my company, they handle no loan or deal with any moneys that pay off anything. So if I make changes to my loan or make all the payments, what is the $40.00 a month going to. Nothing – they do nothing. They did file paper work and get my loan going for me, which i could have done myself. But they were handsomely paid for that service. $285 twice to join the different programs they offer plus $40.00 a month service fee. But in the end, when I tried to get out they said there was no way of getting out. I hired them and they are attached to the loan until it is paid off or it is forgiven. My question was I do not like your service, you have been paid for every piece of work that you have done plus some, why can I not get out of their service. I am going to a lawyer concerning this. But if i ask a financial consultant to watch over my money and after a year of me paying them I decide to go to someone else – then I should be able to. My service agreement says no where that I am locked in forever, but it says I just need to have in writing that I am terminating their service and not to deduct money from my account. But the person on the phone said other wise. SO I am not sure who to believe here or what to believe.

  21. April says

    I received this information from someone who is telling me how their student loans were forgiven and I should try it. I just don’t know if this is legit? And don’t get how the amount is paid off?? What do you think This is what was sent to me :
    Her name is Jess Myers and basically she gets your info and see what u qualify for for example my loans were 14000 and my approval was 11,188 so now I only owe 3000 and make 10.00 payment for 300mo span first payment not due till March, now there is a 3payment fee of 239. For then consolidating my 5 loans to 1 and looking as if I paid off 14000 in loans so we know what that does to credit right, everyone is a bit different but call her she will give u the whole breakdown.

      • April says

        You are speaking of the $239 for 3mos, yea i see that, but this lady is telling people the loans will be forgiven and gone?? I have not did this however I have friends who have which is how I got the info. They even logged into their account and it shows ZERO!?? But did they truly pay them off or just move them and this go come back and haunt them later??

        • says

          They won’t be gone at all for the plan she is telling you about. It’s a repayment plan that includes forgiveness at the end.

          As for the consolidation, the account will show $0 after the consolidation, but you’ll have a new loan in a new account.

          • April says

            wow thats what I thought, it just didn’t sound right to me at all. Thanks so much for taking the time with me and I really appreciate it

  22. Kimberly Eastman says

    I was just contacted by student processing center and they said that I qualify for government her to help with my student loans. But they do not mail anything and would not when I requested information. He wants me gov pin for my loans or my ss number. I need the help with my loan but I am not going to just hand out my ss number over the phone with out really checking them out. He said that it only costs $500 for processing the paper work and I could make payment over the next 5 months. Please help!

    • says

      Don’t do it. You can call your lender and do everything they say yourself. You are basically paying $500 for them to fill out a form for you. You can fill it out yourself for free! Just call your lender and get it!

      Do you really think that they should call you and not the other way around? Why would you trust someone that calls you out of the blue?

      • Wesley says

        If the lenders can do this for free, and these programs have been around for years, how come my lender hasn’t told me anything about the forgiveness programs? I was able to get my loans completely forgiven because of my disability. Yes I paid a company $599 but they did all the work for me. I have the paperwork and proof that my loans ($41,000). It took almost 3 months, but I was always in contact with the customer service.

        I think as long as you do your homework and research, you’ll be fine. I was hesitant to give them my information, but now they are helping my niece with her defaulted loans. And so far so good.

        • says

          That’s a key issue a lot of people have – it’s not the lender’s job to tell you of all your options proactively. If you call them, they can help, but if you personally don’t know to call and ask you won’t get help. These companies make you pay large amounts of money for things that you could do for free.

          Literally you paid them to be a middleman for you. Every form you filled out for them they just forwarded to your lender, since they are standard government forms. I’m glad it worked out for you, but for the same effort and work you could have done it for free.

  23. Edie says

    So I received a call yesterday, I think it was from something I filled out online off of facebook about seeing if you qualify for student loan forgiveness. I was transferred several times after answering several questions about my loans. Eventually I ended up with someone named Jack Howard from, he requested my PIN number for fafsa and my ss#. I was hesitant to give it to him, then he sent me an email with a link to the website and it looked legit. I did give him the info and now I am thinking that I shouldn’t have. He said I qualify for IBR and loan forgiveness as a public servant after 10 years since I am a hs teacher. It seems so confusing, and concerning that they want to charge me almost $500 to sign up for it. I went on and changed my fafsa pin after speaking with him. Should I be alarmed that they have my SS number? Have you heard of this company or any other fraud associated with them. I did check their LLC with the state of California and they are licensed. Just really losing sleep over that temporary lapse of judgement, any insight would be appreciated. Thanks.

    • says

      I wouldn’t be alarmed – they are just a company trying to get you to pay for a service you don’t need. Yes, you might qualify for IBR, but you can change your repayment plan yourself by simply calling your lender and filling out the form. You are basically paying them to file your own paperwork for you. It’s a waste of money. Just monitor your credit to be safe, but don’t lose sleep over it.

      Here’s an article on the plan the guy was telling you about:

  24. Jordan D. says

    I did the whole $599 from a website called I gave them just about all the information I could. I then found out from fedloan that I was past due and that the forbearance national student servicing was supposed to give me was not real. They are making me pay $39 a month. I have realized this is not a real company but they have all my information. what should I do?

    • says

      That’s a tough spot. If they didn’t follow through on the terms of the agreement, first contact them and stop paying them. Next, get your loan back in good standing with FedLoan and work directly through them to change your payment plan as needed. You don’t need to pay a company to get deferment, forbearance, or a new repayment plan. You just need to call your loan servicing company (Fedloan).

  25. Damien says

    Hi. Thank you for your diligence on this matter. I have a concern. I just now signed an agreement with a company called “direct loans services”.

    They offered to get my student loans out of default by making 3 payments of $133.00, and additional payments of $0 (which would still show as payment) so that i may continue to go to school. Could you please give some advice or insight on this company and my current situation before they take money out of my account next week?

    • says

      Well, you could get your loans out of default yourself by making those same payments to your lender and then switching to IBR repayment plan. It’s sounds like you’re paying them to do that for you, but you could do it for the same amount of paperwork and no fees. So why do it that way? Just call your lender.

  26. says

    What about a company called slecdirect? I gave them all my information and when they said they needed a “processing fee”, that’s when I became wary. I haven’t finished anything with them, but he has all my info. What should I do?

  27. Cherrie says

    Hi! I attended Ashford University 2010-2013. I graduated with a Bachelor in Environmental Studies and a minor in Public Administration. My student loans ended up being double what I thought they would be. I’m still not sure how that happened. I’ve always had a feeling like I was screwed over. Then I started seeing articles online about Ashford University having to pay back millions and student loan forgiveness. I called Student Loan Services at (800) 604-5411. Like an idiot, I gave them way too much personal information (I thought about that afterwards). The lady ended up telling me that since my student loan debt is $52,000 and I have three children and still no job I would qualify for complete student loan forgiveness. It really sounds too good to be true. She tried to access my FAFSA but I couldn’t remember my pin and my account was locked. She said to get the pin and give her a call back. She never said anything about paying them money up front. Is Student Loan Services a legitimate company???

    • says

      They are a legit company but you’re paying them for a service that you don’t need to pay for. Why don’t you just call your lender instead and ask for different repayment options. I bet you’ll end up in the same place for free.

      • Patricia says

        Hi, my roommates and I went to a college that was run by edmc and is being sued by numerous people and the government for fraud and a bunch of other things. Basically the school screwed up a lot of things for us and I at least plan on getting a lawsuit soon, but my roommate called that number and talk to someone about forgiveness of his loans. I know any type of services like these if they are legit, is paying for something you could do yourself, but I’m kinda confused about a few things. I would like to know if they could actually help me with forgiveness since my school was fraudulent and if they actually are a scam before I call them back. There are a lot of companies with the same-ish name but this was specifically that number on I’m just wondering since my situation is a little different.

        • says

          The reason people are suing is because they can’t get forgiveness on the loans. The school would have had to falsify a document for your student loans to get forgiveness. If you can prove or show that, you’d qualify, but otherwise, your best action is a lawsuit – but even that may not be worth it.

          That’s a tough situation.

    • says

      Hi Ginger,

      Student Aid Center is just a company that charges you a service fee to do paperwork that you could file for yourself.

      If you’re a teacher at a Title I school, you can do all the forgiveness paperwork yourself. All you need to do is call your lender and they will send it to you to fill out.

      If you can fill out a job application, you can fill out the paperwork.

  28. Mike says

    Hey Robert,

    Thanks for this article, very helpful! I believe I’ve already been victim to a scam by organization who called themselves Federal Student Loan Relief, LLC. They told me they could cut my payments down significantly based off my yearly income. They charged $499 after signing with them and the charges came up from some Law Firm called Joseph R. Goodman, which was my first red flag. Long story short it’s been months and now I can’t even get in contact with them by phone or email. Anyway this experience has made me skeptical of any help I could get. On Credit Karma they recommend I used SoFi to refinance my student loans they estimate reasonable savings. Is SoFi a legitimate and trustworthy organization to work with? Any help or advice you could provide, would be much appreciated.


  29. Gina says

    I have been in touch with the Student Aid Center in Doral, Florida. The told me I pre-qualified for $0 monthly payments on my student loans. I would have to pay them $199 a month for 5 months and stop repaying my loans. Then I would be re-evaluated every year to see if I continue to qualify. Don you know anything about this company. Is it for real?

    • says

      Ouch, that’s the highest fee I’ve seen yet: almost $1,000! Insane!

      Basically, all this company is doing is placing you into the IBR repayment plan for your student loans. Based on your income, you’ll likely qualify for $0 per year repayment.

      However, did this company tell you:
      – That your repayment amount changes each year based on your income, and it could (and likely will) go up
      – Did they tell you that you aren’t really “pre-qualified” – YOU AUTOMATICALLY QUALIFY FOR BASIC GOVERNMENT PROGRAMS. That’s like telling you you’re prequalified to pay taxes. Ridiculous!
      – Finally, did they tell you any amount you get forgiven is taxable and you’ll owe the IRS?

      Look, don’t pay them, do it yourself. IBR is a good plan for some people. Here’s a link explaining how it works in more detail and how you can sign up for it for FREE: Secret Student Loan Forgiveness

      • Laura says

        I just spoke with the US Department of Education about student aid center and they said it was “very fishy.” Student aid center said I qualified for $0 monthly payments and forgiveness after 20 years. US Department of Education told me that I would not qualify for that due to holds on my account. When I called student aid center and told them that they told me that the US Department of Education was lying to me! They also told me that the paperwork to get income based repayment was so complicated that it could only be completed by a professional. Watch out for these guys! They will say whatever they have to to get that $1000!

  30. Tammy says

    I was called by student loan consolidating center. I never called them. They called me. They wanted my info including my fafsa PIN number. I didn’t give the info. However, I asked that they email me a website to check out the company and reputation. He kept telling me he could lower my payments or possibly have my loans forgiven. But of course, needed my info to get the “job done”. I left the conversation at I would look at the company website once it was the web address was sent to me. Is it common for consolidation companies to call YOU first?

  31. Denise says

    I got a letter in the mail and I called it and they ask for some information and I gave it to them. Then they said to look up my loan they need my fasa pin. I said i didn’t know it. So then he said he can file for a new one so he did and gave it to me but it wouldn’t be active for a couple days and when I get a email then call him back. So I wait a week and mover got email. I called back and he said I didn’t receive it because maybe some of the information he entered wasn’t correct. Basically I just want to know if you know if this website is for real or a scam.


  32. Jannis says

    I have just applied with Student Aid Center as Gina above, and was told that my federal student loans would be forgiven within a 300mth–>25yr period after $199/mo payment for 5mths. As told, I am responsible for $0/mo payment after that 5mth period, based on my monthly income. What sold me was the fact that it was a 300 mth period, which gave me indication that all loans would be forgiven at that time. I have previously filed for IBR with my loan servicer Nelnet, and was offered the same $0/mo payment; however, I took it to be that my loans would be paid off whenever I paid the last penny of it, combined with the never-ending increasing interest rates. Student Aid Center said that the principal balance and the interest rates are all covered under the program and will be forgiven in the 300mth period, unlike with Nelnet.
    Should I be concerned be the deal offered from Student Aid?

  33. Elizabeth M. says

    Has anyone heard of a company called Student Loan Processing? I gave them way too much information and my personal information. They said all I had to pay was $39 a month and I have been paying them for years and it has not been applied to my student loans.What got me was when they wanted to access my information through Nelnet for verification. Then have a D- rating on the BBB. What should I do is this a legal company?

  34. Erich says

    Hello Robert,

    Your forum has been very helpful! My situation seems unique as my wife and I quit our jobs to travel for a year. National Student Servicing showed up at the perfect time to arrange a debt consolidation of under graduate and graduate loans. Now I am realizing my mistake. Is it possible to return to the gov. run loans, like Sallie Mae and refinance my loan. Do I have any options in getting out of this arrangement?

    • says

      No, once you refinance out of your Federal student loan debt, you can’t go back. There is no getting out of your new loan unless you refinance. Why do you want to change your loan terms again (ignoring the fact that you paid this company way too much for nothing)?

  35. Emilyn Davies says

    Hi Robert,

    I think I have fallen victim to a scam as well. I am so ashamed of myself. The company is called student loan control, LLC. Have you ever heard of this company? I can’t find them on BBB.

    I was sent an email from college loan relief and I retrieved the number like a dummy and contacted the company and I was then told I would be called back. A woman named Felicia Spencer then contacted me back in less than an hour and explained that they worked with the department of education and that they assist in loan forgiveness. After doing calculations she said I would pay $268 for 4 months then it would go down to $16.00. So I gave her way way too much info down to my SS number and debit card info, and she sent me a docusign application to sign…when I saw the info she put on the application I noticed that despite me telling her I was married and completed a joint tax return, she put married filing separate. I immediately hung up and blocked her number but she has all my info. I never signed anything though. Should I be concerned??

    Thank you

  36. Kaui says

    Hello Robert,
    I have recently signed up with Student Aid Center and they told me the same thing as theyʻve told your other readers above. I know I qualify for the IBR. My loans are in default and I was trying to find the best way to put them in forgiveness. I had no clue how to do that thatʻs why I signed up for that website. Do you have any knowledge on how to get my Federal loans out of default and to get back my credit score?

    • says

      Yes, it’s really easy. Call your lender and discuss the options. For Federal loans, you have three options to get your loans out of default so that you can qualify for loan forgiveness.

      These include loan repayment, loan rehabilitation, and loan consolidation.

      Loan repayment is repaying your defaulted student loan in full. This may not be an option for you.

      To rehabilitate your Direct Loan or FFEL Program loan, you and your loan servicer must agree on a reasonable and affordable payment plan. Your loan is rehabilitated only after you have voluntarily made the agreed-upon payments on time and the loan has been purchased by a lender. Outstanding collection costs may be added to the principal balance.

      Payments that have already been collected from you (like from Wage Garnishments or Tax Refund Offsets) do not count toward your rehabilitation payments.

      Once your loan is rehabilitated, you may regain eligibility for benefits that were available on your loan before you defaulted. Those benefits may include deferment, forbearance, a choice of repayment plans, loan forgiveness, and eligibility for additional federal student aid.

      Finally, you also have an option for getting out of default through loan consolidation. Loan consolidation allows you to pay off the outstanding combined balance(s) for one or more federal student loans to create a new single loan with a fixed interest rate.

      No matter which you choose, you have to talk to your lender. All Student Aid Center is doing is talking to your lender on your behalf – so you’re literally paying them to be you. Any form you fill out is the same that your lender would have you fill out. You’re just adding time and money to the same process.

  37. Matthew says

    I recently gave my bank account info and SS# over the phone to They were supposed to bill me $230 last Monday (Feb 22nd) and set me up with an account through SLC Processing, but I can’t log in on that site and haven’t been billed yet.

    Is that organization legit? Should I be worried about fraud or identity theft or is it another occasion of a legitimate company charging me for my ignorance of loan repayment?

  38. Jackie says

    Yesterday, I received a notice in the mail regarding Student Consolidation & Payment Reduction Program. The notice included a reference benefit ID which they asked for when I called them. Once given, they were able to confirm my name and address then proceeded to obtain additional info from me. The representative said, he was from STUDENT PROCESSING CENTER. I too provided too much information! He emailed me Agreement contract that I did not sign. I requested that he call me back on Monday so I could review the Agreement contract. I felt sick to my stomach after I hung up the phone thinking..why did I just give him my info. I wish I would have done my research and saw this blog before making that phone call!!!! My bank suggested I call Student Processing Ctr to say “Destroy all my info” and request that they send an email to confirm they destroyed it.

  39. Lindsey says

    Hi! So im not to tech Savy but i did want to lower my loan payments. I googled a program as the pay as you earn and i found and paid my first payment of $249 a month and they would take 5 months of that payment and they would do the forbiddance and get me to pay 96$ a month then on from another servicer. I trying to figure out if this is a scam or not. on the BBB website it has a D- but its not saying that its a full scam. Im more confused on what i did because i did give them my information and personal information. They told me they would let me know and keep me updated.. but they also want me to send 4 last paychecks or first 2 paged of tax forms and they can continue to do the process and let me know what my new provider would be once they paper work is done. Is this a scam? Im new graduate and had no idea what this process involved or what the right company was.. So now I’m wondering if I’m an idiot.

    • Lindsey says

      They also sent me contracts to sign electronically and i didn’t provide my banking info but i did give a credit card over the phone.

    • says

      STOP doing that with them. They are just changing your repayment plan to IBR. To do that, all you need to do is fill out the SAME form and send to your lender, not them. You realize that you are paying them almost $1,250 to simply fill out your paperwork? That’s the highest amount I’ve seen yet, and I’ve been doing this for 5 years.

      To get IBR, simply contact your lender and they will ask you to fill out an form and provide verification, just like this company. The only difference? They don’t charge you crazy amounts of money.

  40. Jessica Nunez says

    I applied for student loan forgiveness and through student aid center and they told me that I would be paying $199 for 5 months to them and then after my last payment I will pay a prequalified consolidated payment of $0 for 240 months under the “pay as you earn” program. They also stated that the $199 will not be going toward my loan and not to contact my lender because the student aid center is now in charge of handling my payment loans for me. Is this a scam? Please help I have 3 days to cancel and I want to make sure I am doing the right thing. My loan is 9500$ and my interest is about $500 right now. If the program is just taking my money I rather just use my money to directly pay off the interest of my loan and start making payments.

    • says

      Please cancel and use the money directly to pay off your student loans.

      Your loan is only $9,500 and they want you to pay them $995, or over 10% of your loan value, to DO SOMETHING YOU CAN DO FOR FREE!!!

      All they are doing is enrolling you in the Pay As You Earn Program. You can do that yourself by calling your lender and simply asking, “Hey, can you enroll me in the Pay As You Earn program”. They will say, “Yes, fill out this form.” That form is the same form that Student Aid Center will have you fill out.

      But guess what, your lender won’t charge you anything. Please email me if you have any other questions. This makes me angry that they would make you pay so much.

  41. Katt Robertson says


    Last week I was offered a job at a Student Debt Consolidation company that claims they have processed $200 million of college debt loans.
    This is the company
    Trusted Debt Solutions
    152 NW 16th St
    Boca Raton FL 33432

    I got some bad vibes after leaving the interview and did some searching via the internet. This company asks for upfront fees, tells people the can save up 75%, goes on the Dept of Education web site on behalf of the debtor, etc.
    After reading your article and many others it has become apparent they are illegally charging and misleading consumers and definitely a scam company.
    Thought I would pass this information to you.

  42. Lynn says

    Robert, I am at my wits end. I pay on my federal student loans using the IBR program. But my private student loans want nearly triple what I pay the federal loans and I only owe $11000 in private loans. Ive tried everything to work with them to pay a lower payment and they will not budge. It is Navient and in one week they said my loans are going to litigation. My question is this: Is there any company out there who can help me negotiate a lower payment to avoid the litigation? I’ve contacted Student Debt USA who were very nice but wanted me to go on a program of paying $750 a month for 8 months. I can only afford to pay the private loans $65 a month, a far cry from having an available $750. I spend every moment searching for student loan help websites. Fix My Student Loans .com is my next try. But after reading all your blogs and posts and reader reviews I am now too scared to try and student loan help sites. What do you suggest I do at this point?
    Thank you for your help.

    • says

      Private student loans are tough. There isn’t anything you can do – if you can’t pay, they will seek a judgement against you to garnish your wages (which is what it sounds like they are trying to do).

      The only real options for private student loans are:
      1. Refinance to a lower interest rate if your credit score is excellent (750+)
      2. Earn more money by working 2-3 jobs or side hustling and using that extra money to pay it off

  43. LLoyd says

    Ever hear of Student Services LLC? I use to work for Direct Loans, and this sounds a little fishy, They do not seem to offer me anything that my current service can not. talking about reducing the debt, I see no way they can do that. I know of a program the National Health Service Corp, but that is AFTER I get my lic, so I am pretty sure something is off. Be interested to hear your feed back.

    • says

      Never heard of them – but you’re correct. None of these services can offer you anything your lender can’t. You essentially pay them to process paperwork for you (actually you pay them to fax it in, because you typically end up filling it out yourself anyway).

  44. Bruce C. says

    I really need help! There’s a place called National Student Loan Relief Center that contacted me earlier this month about consolidating my student loans. They said there would be a $499 fee (I forgot the name of the fee, if any) to get into the program that they have that would allow me to set up a payment plan to pay off my student loan. That fee they said could be paid in two increments (two payments of $249.50). They also mentioned that they were affiliated with the DOE. They said as soon as they get the second payment (I already paid the first payment and the second payment is coming up soon) then I will be out of default immediately. Once I’m out of default I’ll finally be able to file my taxes and get my tax refund, since the government has been automatically taking my tax refund checks every year, and this year I wanted it. They said once the last payment is made, then it would be a few months up to a year before my monthly payments start to pay off the consolidated student loan.
    I don’t know if this is a scam or not, since you say that there is no charge to get into a student loan relief program. Should I not make the final payment? If it is a scam, can i sue and get my money back? Also, if it’s a scam, how will I get out of default before April 15th so I can file my taxes on time? Any help is greatly appreciated!!!

    • says

      You are simply paying them to rehabilitate your student loan. They are just processing paperwork for you – something that you could do yourself for free by calling your lender.

      They aren’t affiliated with the Department of Education, they are a private company that sends in paperwork to them on your behalf. If they did help you, they aren’t scamming you. What you should consider is whether you could have done the same amount of work for free, and not paid $500.

  45. Megan says

    I was contacted by who also said their web address was
    My loans are already consolidated and the claimedi qualified for income based payments and partial fogiveness due to me working in the field of nursing… They claimed my payments would be lower and after 10 years of on time payments, my debt would be forgiven. The questions they a led me to be weary about them were : ,
    – my license number me my moms maiden name
    There was an option to cancel within 72 hours… I’m just not sure how to verify if this is a legit site or service.

  46. Jesse says

    Hey Robert – Back in October, STUDENT PROCESSING CENTER contacted my brother and he referred them to me knowing I wanted to get everything into one easy payment. I talked to Mike Watson ( and he set me up for everything. I paid the $599 with a credit card (which I lost during the holiday season a couple weeks later and cancelled the card) and did not reveal my banking account/routing numbers. Then, I had to send in the the first pages of my taxes from 2013 to “confirm my address for the 2013 tax year.” I hesitated, but did against my better judgement (mainly because I spent that darn $599). Since then, I have had my Borrowers contact me about my loan(s) being completely paid off, while also receiving Federal Loan letters about new payments (recently just received these in the mail while on vacation and have not opened them up yet). Then, today, I received an email from STUDENT ASSIST PLUS wishing to charge me $30 a month for benefits and help on consolidation. When I couldn’t navigate on the webpage, I finally did the “Uh-oh” moment and cancelled that side of a mistake I may have committed. While I have only the $599 lost (not a big deal) to date, I want to know what I should do since everything has gone through and I am about to start new loan payments. Are my loans LEGITIMATELY consolidated? Am I going to get scammed any more, you think? Who can I report these scammers to? Do you think I am “safe” from fraudulent behaviors? Any advice would be great!

    • says

      It sounds like you need to get organized and double check online.

      If you had Federal loan consolidation (which hopefully you did with FedLoan), you can see are your loans on this government site. Double check they are correct:

      If you have private loans, pull your credit report at and double check it. It will have all your loans listed. Even if you don’t have private loans, it might not hurt to check.

      As for reporting them, you can’t do much, but spread the word.

  47. Tameka Ware says

    Hey Robert, I got a letter in the mail from Student loan consolidation & payment reduction program and it gave me an Benefit ID number. The letter stating that I am eligible to receive benefits from a new law including Total Forgiveness. When I called this lady told me that I called in time and that they were closing tomorrow and that today was the last day. She also said that the application fee was $699 and it would be divided in 3 monthly payments and they would start taking money out of my account on the 17th of this month and after that I would have to pay $27.50 every month after that. Also if i called the next day the number wouldn’t work. The letter didn’t have a website on it so I couldn’t look it up to see if it was legit. So I’m really trying to see if this is a spam before they take money out of my account on the 17th. Can you please help me!

  48. Belitza Velez says

    Hey, Robert! I just wanted to know if US Student loan is a scam. I started the process of consolidation with them and haven’t hear from them after I paid. I tried to call and there numbers don’t function.
    Thank you for your help!

  49. Tara says

    Hi! First, I have a question: have you ever heard of a student loan assistance corporation called Van Ru Corporation?
    They said they are a rehabilitation company working directly with DOE to straighten out my loans (which are more than $54,000)…
    Are they legit? Or are they just another company like I’ve read about in all the previous posts?
    Secondly, I almost was scammed by the National Student Loan Relief Center (Steve Willard, the representative, really got me questioning his legitimacy when he said S*!t during our conversation.. yeah, nice, huh?!)… thank goodness, I asked for their website information (he gave me and obviously it wasn’t legit…

    Can you tell me anything about Van Ru?
    Thanks so much for helping me work through this mess!!

    • says

      Never heard of them at all.

      Before you go about paying these companies a lot of money to fill out paperwork for you, I suggest you look at a better alternative, which is my program to help. It teaches you what you need to do yourself, and we walk you through the process – including loan rehabilitation if needed.

      You don’t give us your info, and we give you everything you need (including what to say, what to mail in, etc.).

      Check it out:

    • Laura says

      Van Ru is a collection agency for the US Department of Education. They are not one of these companies that charges you to set up a repayment plan. I was sent to them by the US Department of Education as the agency now handling my loans. Don’t worry…. its legit!

  50. Nick says

    I have a question. Like a lot of the others before me I have a question regarding National Student Services. I was in their rehab program 160$/month; but when I reached out to the DOE to make sure I was in the good they had no recored of me trying to rehab my student loans. I immediately stopped all payments but now I’m worried. Did I do the right thing?

    • says

      Sounds like you did the right thing. You need to follow very specific steps to rehabilitate your loans and you shouldn’t have to pay monthly for it.

      I suggest you look at a better alternative, which is my program to help. It teaches you what you need to do yourself, and we walk you through the process – including loan rehabilitation if needed.

      You don’t give us your info, and we give you everything you need (including what to say, what to mail in, etc.).

      Check it out:

  51. Bobby Hsia says

    Hi Robert,

    I originally received a mailer from a company called Student Processing Center in Irvine, CA and when I called in to inquire about the mailer the gentleman (Frank) that answered the phone informed me I can lower my payments to $30 with loan forgiveness after 120 months due to my work at a non profit but that I would have to pay their fees of $699 in the form of 3 payments. I gotta say they actually delivered everything he promised and since my original servicing companies would not even budge with my financial hardship I felt I had no other choice. I was close to getting wage garnishment till I spoke with this company, but should I fear any draw backs from dealing with this company? I mean everything seems to be great for the moment but I’m worried about what you wrote so I would just like some clarification. Thank you for your time & help!

    • says

      You shouldn’t worry about it because if they did everything, and you’re now on a different repayment plan, they clearly didn’t scam you.

      What makes me sad about them is that they charged you $699 for it. That’s a ripoff, but not a scam. You could have done the work yourself, or used a DIY program like mine for less than 20% of that cost to learn the steps to take.

  52. Patrick says

    I am also receiving phone calls from two student loan settlement companies. I don’t understand how they got my phone number. I never filled out any forms on their website. Is it just public knowledge or something? How do I see what they found out about me? Thanks for the great article and these comments are wonderful!

  53. Dallas says

    I received a letter in the mail stating that I could get forgiveness for my student loans. I called the number and the lady over the phone would not provide me with any information unless I gave her my social, 2 references, checking acct number, drivers licenses number and much more. I did all that because I thought it was legit. she explained all the plans to me then told me about the $29.99 monthly fee and the $699 set up fee that would be done in 4 payments. she sent me the documentation to sign electronically but I told her I would not sign it until someone looked it over. So she said that she will give me 10 days to decide and she will send me another form. I thought she would send me the form in 10 days but she kept saying how I had to sign it right away I told her I was not signing anything until I have had someone look it over. she went through everything really fast so I was just going with the flow. after I hung up I realized that I should not have done that and now I am freaking out. Should I be worried that they are going to either take my identity or charge me the $699 and the $29.99/month?

  54. Art says

    i have the same issue! I sign up with national student servicing which is located in Santa Ana and now I am worried im being scammed. Do you know if its a legit company. I do check my credit and nothing has changed. The company just isn’t good with communicating with what’s going on.

    • Art says

      I have checked and they do have complaints and are not listed with them. The company is suppose to consolidate my loans and put me a repayment plan with a lower balance. I called them recently because I got a letter from a collection agency charging in full. when I talked to them they placed me on hold while they called the collection agency, after that they were asking for my 1040 to determine how much I can pay because im unemployed at the moment. I cant figure out if they are legit or not. at this point my contract with them will end in 2 months, what should I do? Please help?

  55. Christopher says

    Like so many comments before mine, I had second-thoughts and a bit of panic after I hesitantly gave out my SSN to a rep from Nationwide Student Loan Help. That panic led me to your site, Robert, and all the fantastic advice you’ve been giving. This all started when I called the number posted in an article pertaining to the Art Institutes closing locations to see if I qualified for any Student Loan forgiveness, which I was vaguely aware of from my previous explorations into the permanent stain on my life which are my student loans. They started at $26k in 1998 and I now owe $46k after years of payments and unemployment deferments and hardship deferments where I fell victim to the Capitalized Interest Monster. I’ve always been paying and had my loans serviced thru Sallie Mae/now-Navient and have been in IBR for the past couple years. I foolishly consolidated my loans almost immediately in 1998 and the interest rate has been locked in at 8.25% ever since. Anyway, I didn’t realize the article I was reading was posted by Nationwide themselves. So, after a few questions to see if I qualified, my family size which is 1, the rep basically said that I would qualify for about what I’m paying right now in IBR but in the Pay As You Earn plan with only 20 years of payments instead of 25. He also strongly “urged” me to say my family size was 3 to reduce my payment to $66/month for 20 years. If I could say I had people in my life that I fed or took out to eat even…thinly veiled way of saying I should lie–or stretch the truth considerably. He did also tell me I would indeed have to reapply every year and it would recalculate based on my income–and family size. He said I would make payments to Nationwide and what made me stop in my tracks was when he said hte servicing fee would cost $499 or $599 if I paid in three monthly installments. He said they were like an “H&R Block” doing your taxes for you. They take care of everything. I foolishly gave him my FSA PIN and my SSN to access my FSA ID page. I ultimately told him I’d think about it. Then, I found your site when I googled “Is Nationwide SLH legit?” I found on Nationwide SLH’s site at the bottom of the page it does clearly say “Nationwide Student Loan Help is strictly a document preparation service.”

    My main reason for posting this is to primarily ask if there’s any reason I should be concerned with having given them my SSN to access my Student Loan information? Do you know if Nationwide Student Loan Help is a legit Third-party loan preparation company similar to an H&R Block? They do have an A rating on the BBB, but I can’t help but be wary…

    Side note from reading your article –I did not know that any forgiven amount after 25 years on the IBR would be considered income! Future me is concerned and saddened by that year’s tax bill…

    Thanks for what you do and for all the information on your site!

    • says

      Hi Chris, thanks for sharing your story. I’m sure they will help you process your paperwork – but for $500 or $600? That’s crazy. Even the tax places don’t charge that and doing your taxes is a whole lot more complicated!

      I wouldn’t worry about the info you gave them, but just monitor your credit and change your pin to be safe.

      P.S. if you’re on IBR, just stay on IBR and get your forgiveness in the end. Don’t change up anything or worry about it unless your income changes.

  56. Ryan says

    I just set up a consolidation and possible forgiveness program with The Loan Center and then panicked about a possible scam which led me here. They told me they would consolidate, and put me in a low income program where I would have a 0 payment as long as my adjusted gross income stayed below a certain number. Is this legit? Are they legit? The term of the loan is 240 months and they claim that if my income stays low for all or part of that term that amount or the total amount would be forgiven by the government…. any advice? They charged me a $699 closing cost for all these documents and filing.

    • says

      Well, they signed you up for a free government program for almost $700 – you tell me your thoughts on that one. I can’t say if they did the paperwork correct, but I can tell you that, even if they did, you paid WAY too much.

      • Ryan says

        Thanks to your blog here I called and canceled with them before they could charge me. I will do all the paperwork for the program myself. THANK YOU!

  57. Lucero Pena says

    Have you heard of Student Services? I am agreed to have them help me, even thought I have never trusted any kind of “offers” like that. Where can I verify if it is a legitimate organization that helps with consolidating my federal loans. I am paying almost $500/month to navient and it is getting really hard. this company stated that due to federal programs, my payment can be reduced to something like 280 or 300. I just signed with them, so if you can guide me to where I can check if they are a scam, I can still cancel and hope it would not have any secondary fatal results. thank you so much.

  58. Nic says

    Hello can you help me. I just talked to a person from “The Student Financial Help Center” and they were telling me how they can help me with my student loan debt and wanted to sign me up for loan consolidation and the IBR program. They are going to charge me $699 for their enrollment service (broken down in three months) and say it is a one time fee and refundable. Unfortunately, I gave them some personal information and now I am feeling off about the whole thing. Now reading this article and looking up information and reviews (something I should have did beforehand) I can’t help but feel that my initial feelings are correct and that I need to start changing passwords and credit card information. If you can offer any advice no matter how brief would be helpful!

    • says

      Please don’t do it and either do it yourself or look at our coaching service for a fraction of the price!

      They will do it for you, most likely, but there is no reason to pay that much money!

      • Nic says

        Thank you so much for responding and giving me advice!!! In hindsight, I knew I should have researched it more instead of feeling pressured to give my personal information and data during the initial phone call. I will be canceling my contact/enrollment with them ASAP and look into your suggestions. Thank you very much for the help!

  59. Brandon says

    I was wondering if Student Debt Consolidation Aid is real or if it’s a scam? I’ve looked into the site and it looks legit and one of the enrollment specialists emailed me directly after talking with her on the phone. She started by asking me basic questions that weren’t too personal like how much I make and what my goals were with my loans. Before I could give her my social though, I wanted to make sure it’s real and not a scam. Any idea?

    • says

      They’re likely do follow through on what they tell you – but you have to realize that you are going to be paying a lot of money – typically $400-$700, even more – for basic stuff that you can do in 15 minutes yourself.

      Don’t know what you’re looking for, but Federal student loan consolidation is free and you go to this GOVERNMENT website to do it:

      If you want to change repayment plans, a 10 minute call to your own lender is all you need.

      If you really want coaching on what to do with your debt and how to go through the process, then you should look at something like what we offer for less than $100:

  60. Mollie says


    I need help please! So I was uninformed and scammed. I actually had already completed my consolidation request through student loan. Gov after I graduated in December but I kept receiving letters from docuprep center in irvine california about helping me getting lower payments, so I decided to call and see what is about. I was naive and the guy on the phone convinced me that I needed him much like a tax service. I signed forms about power of attorney and gave him my bank account info as well as drivers license and social security number. What do I do know now that I already signed forms? I had a bad feeling about it and decided to do my research. I have been stressed about my student loans and was one of the ones taken advantage of due to my lack of awareness unfortunately. I feel totally naive. I’m going to close my bank account tomorrow but what else do I do since I signed power of attorney forms electronically? I’m calling Great Lakes (my loan servicer) tomrrow but I’m afraid I messed up big time :( help please. The universities and the department of education definitely need to raise more awareness to students upon gradation about these scam companies and their repayment options. Please I need advice! Thank you!

    Your advice is greatly appreciated.

    Mollie K.

    • says

      Contact the company and let them know you want to cancel, including the POA. Let Great Lakes know this as well.

      Work with Great Lakes directly if you want to lower your payment.

  61. Blake Bordell says

    Hello Robert,

    What a wonderful service you are providing here! I have read a lot of the information on your blog and find it very useful. One question that I cannot find an answer to however is that you claim that all these companies offer services that one cannot do for him/herself by contacting however, even after contacting, if a company is offering payments that are much much lower than then would it not be worth it to go with the company, even if there is a fee attached (as long as the numbers work out, i.e. money saving in payments well exceeds the fees)? Isn’t there a scenario that the company can do more than one can do by him/herself on Or is that simply a scenario that is too good to be true? That it is not possible (or feasible) for a company to offer lower rates than Is this a dipstick to measure the possibility of a scam?

    • says

      There is no possible way that a private company can do anything for Federal loans beyond what you find on Federal loans have specific legal programs that they have to follow, and they don’t work like credit cards, where you can simply negotiate a lower price.

      Typically if a private company is quoting you something lower than what you find, they don’t have all of the information or are potentially pitching you on a program you won’t qualify for in the end. Remember, these “private” companies are all actually labeled as “Paperwork processing companies”. They just process paperwork – whether or not the government accepts it is a different question that they won’t be held liable for.

      Finally, this only applies to Federal loans. You can negotiate private loans sometimes, and you can refinance private loans into new loans. You can also refinance Federal loans into private loans, but that’s typically not a good idea.

  62. Megan says

    Hello. I have received a call from student advocates saying they can help me with my student loans. The said I would pay 39.42 a month for 48 months and as long as my income and household don’t change then after the 48 month my payments would be $0 and after 120 months it the rest would be forgiven. They didn’t say I had to pay anything upfront. I don’t give them my info and sign papers electronically. Now I’m worried it’s all a lie . Is it possible for me to only pay 1800 of my 14428 in student loans and the rest be forgiven .? What should I do

    • says

      It’s possible to by $0 tomorrow from 120 months if you don’t pay these people and just call your lender. If your income is low enough and you qualify for IBR, which it sounds like you might, that’s all this company is doing for you – signing you up for a program.

      That full $1,800 is going straight into their pocket. Not towards your loans.

      • Hannah says

        I just signed up with Student Advocates too… I’m a little nervous about this, but I have over 130k in student loans, and after speaking to Navient it seems like if I file to “Pay as you Earn” I can reduce monthly payments from over $900/month to over $400/ month. It is still too much for me! I called before I got married and was told that my husband wouldn’t be responsible for my loans, but now they say that if I file taxes jointly then his income is still considered. But he supports me by paying the entire mortgage, and most of the bills, and he has his own student loans with Navient! I feel like even if it’s possible to do paperwork myself, I am unlikely to figure it out and get the right paperwork done and submitted, and they may not approve me, whereas with Student Advocates they deal with this every day and can make it work. Student Advocates says my 7% federal loans with Navient will be paid off and I’ll be working directly with the Department of Education. I have a contract that says my husband’s income can’t be asked for or considered, and my payment for this year will be $0 to the loans but $39/month to Student advocates. This all sounds great, and I can pay it! I need to ask my account manager about what would happen if I died, or something… and reread the documents. I have a few days to cancel, and he told me that I’ll also receive a letter from the DoE soon, about all of this. Do you think this is all a really bad idea? I’m an opera singer, so I get paid now and then, and a part time nanny. I just started a Mary Kay business which is going well, but I invested in it, so I have to pay off those expenses before really being able to use that money as income! I’m also 7 months pregnant. I am happy to work and pay off loans, and hopefully I become really successful and can pay more back, but for now I don’t mind paying a small monthly fee for the ability to avoid those massive payments…

        • says

          Once again, you’re paying for paperwork processing, which may or may not be correct. If Navient says your husband income must be considered (which they are correct since you filed jointly), anything the paperwork processing company submits will be incorrect. The Department of Education doesn’t even have to do it, but the company will still charge you.

          When you call Navient, and ask for PAYE, they simply mail you a form to fill out. How hard is that? It’s like a job application. You also didn’t say how much Student Advocates is charging you for this service. My guess is $500-600? Why don’t you get on PAYE and the just use that to pay down your loans!?!?!

  63. Sandra says

    I just got ripped off by SFHC – Student Financial Help Center, they charge me $699.00 to consolidate my students loans. I realized after they took the last payment towards that fee that I would have done this myself for free at I am so angry at myself for being scammed. Students are not informed that they can consolidate their loans by their own lender, so companies like SFHC prey on us. Do these companies legally have to tell you that you have that option? Can I file against them in small claims court? I called and told them I wanted to full refund and would report them to the Federal Trade Commission. They said the process is completed so I can not get my money back. They sent me an email and told me I can e-sign their termination of service agreement and it would then be reviewed and they would determine if I can get a refund, right after he told me I wasn’t going to get my money back. I told them I would not sign anything Is there anything I can do????

    • says

      They are technically “Paperwork Processing Companies” so they processed your paperwork and did what they offered. While they didn’t technically scam you, it sounds like you were misled and that sucks.

  64. B.Benson says

    Robert Farrington, thank you so much for this forum. I dealt with Student Aid Center just today. I was a little skeptical from the beginning simply because the presentation just sounded too good to be true. So I decided to do a little research for myself and landed here and also the better business bureau website. My counselor I spoke with at the Student Aid Center was very nice but he failed to tell me the $1000 ($199 for 5 months) payment is going in their pockets as admin fees! He also mentioned that based on my income, I qualify for zero payments monthly (after the $1000 payment of course) for 300 months (if my income stays the same)??? Basically, it sounds like these are all paper pushers and are doing the exact thing that I can do myself. I usually stay on top of deferments and forbearance anyhow. I suggest people try to do the same and sip these scammers. Fortunately for me, I have not given m ss# and other important information. But thanks to all for the heads up.

  65. Meredith says

    Hi there!

    I received a call today from a consumer advocacy group telling me that my loan wasn’t consolidated through the Department of Education and since my load consolidation is through Great Lakes that it’s not a true consolidation and that it’s not a real Income Based Repayment plan. He told me that I could get my debt consolidated through the Dept. of Education and still have a $0.00 monthly payment plan. The company is called Trinian Financial. I asked him if I could just do this myself and he told me that The Dept. of Education didn’t have employees that handle loan consolidation and that they depended on consumer advocacy groups to handle it. He never asked for my student loan pin # or SS#. He was speaking to me about the William D. Ford Act. He also told me it would cost around $700 and that they wouldn’t get that money until after everything was processed. Is this a scam? He made me think that having a consolidation through Great Lakes wouldn’t actually get me any debt relief and that their IBR isn’t a true IBR. Trinian wasn’t offering me a loan, they were going to have it consolidated through the Dept. of Ed. I’m really freaked out because everything he said was appealing/scared me about my current loan…but I don’t want to get scammed.

    • says

      That sounds like a complete scam. The fact that the person lied and intimidated you about your loan should be a red flag. The line “The Dept of Education doesn’t have the staff and relies on consumer advocacy groups” is complete B.S. Literally all this company would do for you is file paperwork with the Department of Education! Please don’t do it.

      If you have a concern about your loan repayment about, go to and check to make sure your loans were consolidated. Then call your lender about IBR or PAYE. That’s all there is too it.

  66. Shannon says

    Just received a text from 702-660-6126 saying I have been pre approved for student loan forgiveness and to call 424-239-6245. I called and it is National Student Aid Center. I only ask because my school was part of Corinthian colleges that just had a new thing passes for for profit colleges and you can get your loans forgiven due to the scam that they are. If I am getting this text does it mean that I do qualify for that and it’s just one of these companies that wants to “help” me do what I can do on my own? I haven’t looked too much into the actual forgiveness yet as I just heard about it, so I wasn’t sure if this was my sign that I need to get on that NOW since I do qualify.


  67. Cady Mishler says

    I recently “qualified” for this program. I’ve already given them my information and paid the first payment. The first payment was 325 and 100 the next three months and then after that they were “0” for the next 14 months or so. I checked my loan balance and the 325 was not taken off that. I emailed the BBB and have not gotten a response. Help! Here’s some of their info:
    Student Services: (818) 208-2575
    Processing Services Direct Line: (949) 229-6969

    • says

      I’m sorry to hear that. It sounds like it could be a very misleading company. If your payment wasn’t credited, I would worry it was a scam.

      However, some “legit” (see the quotes please) companies will put your loan into forbearance while you pay them, and then after they’ve fully received their fee, only then apply anything to your loans. This could potentially be the case, but if you weren’t aware of it, I’d be concerned.

  68. Kaitlyn says


    I was contacted by Student Advocates also. They said that through the William D. Ford Act I qualify for a loan “forgiveness” program (I can’t remember exactly what words were used). I have two loans right now, one consolidated subsidized and one consolidated unsubsidized. My story is similar to the commenters above where, after they consolidate my two loans I pay $0 a month for 240 months if my annual salary and home size stay consistent. If (and it most-likely will) my salary increases within these 240 months, I will be asked to pay more each month. Obviously this service doesn’t come free and I am being asked to pay $39.42 each month for the next 4 years so they can consolidate my loans and keep track of the paperwork.

    Like an idiot, I gave them all of my information and they created a Federal Student Aid account for me with the DOE. I also signed to give them consent to speak on my behalf and run my credit. (I checked on CreditKarma yesterday and it says that a company ran my credit.)

    I just have a feeling that this is too good to be true. Can I really not pay anything towards my student loans for the next 20 years and then have my loan be forgiven? Is this serious or am I becoming a statistic and falling for a scam? I am freaking out now because there is really no trust worthy reviews or information about the company.

    In the papers that I signed it says I have 3 days to cancel the transaction without any penalty. Should I call them and tell them to cancel it? And is there any reliable literature out there that states loan forgiveness for average people actually exists? Also, worse case scenario, who can I get in contact with to help me with student loans if this company messes something up on my behalf, my loan provider? (Not sure if this matters but my service loan provider is Great Lakes).

    Thanks for your help!


    A college grad feeling used and abused

    • says


      I would strongly recommend you cancel and simply call your lender and do it yourself. They just signed you up for a program called IBR (read more here) and it’s a free government program. You realize that you’re paying this company $1,892 over the 4 years to do some simple, free paperwork? I’m honestly going to tell you that in 5 years of helping people, that’s the largest amount I’ve ever seen a company charge someone. And I’ve never seen it done over 4 years. It makes angry and sad.

      The next steps to take are to:
      1. Simply call your lender (Great Lakes) and remove the power of attorney for this company and tell them you just want to sign up for IBR
      2. Call this company and cancel
      3. Fill out the super simple paperwork online at (it honestly takes about 5-10 minutes)
      4. Monitor your credit to make sure this company doesn’t do anything unscrupulous

      Good luck!

  69. Robert says

    I gave my FSA Id to a company called docu prep center out of Cali to look into consolidating my loans. They gave me some rates. I hung up immediately changed my password and disabled. Can they scam me? I’m very worried. What do I do?

      • Robert says

        I didn’t give them my SSN but my social is on the FSA site. All they said they needed was my loan info. I went on and checked my SSN just shows the last 4 digits, the rest is hidden.

  70. Ashley says

    Like everyone else, I too am in MASS amounts of debt due to student loans and fell for a scam. While doing some digging, I noticed too many similarities between the company that contacted me and the ones described as scams in other posts.
    The company is SLRC, Student Loan Resource Center. They have a functioning site (which has only been up 2 months come to find out) and after talking to them multiple times I just had a funny feeling.
    They are “located” in Orange County and offer a similar price of $699 for the program and additional 30$ a month (which they failed to mention in their pitch). I unfortunately gave them my information, but haven’t singed any paperwork. I am planning my next move on how to get pass this and safe guard myself . Any suggestions are welcomed.

    • says

      Any program you qualified on through them you can get by simply calling your lender. Chances are they just were going to sign you up for IBR or PAYE. You can do the same at for free.

    • Jason says

      I got a solicitation in the mail from them (SLRC), and have since spoken to them a couple of times. I do feel like I’m being hustled– they have a hard time allowing me to politely end each call, and proceed to call me even after I’ve told them that I would review their email first and then respond.

      I’ll have to check out IBR and PAYE–I’m very new to this!! :)

      • Marie Coleman says

        I used to work for SLAC and they have new company Student Loan Services inc. They very much are a scam!! that is why I quit. Please do not give them any money. Everything they tell you they can do is a LIE!! There is now paperwork to process so there fee is bogus. Always contact your lender directly. Please I hope people read this.

  71. Josh says

    I am another one who let the promise of savings cloud his judgement into signing up with a loan forgiveness company. I signed on with student aid center giving them my info and signing the application and CC for fees. Little bit later I called and cancelled as I got nervous about it. I owe just over 40k in student loans and with a household of 5 and income of around 45k they said I was eligible for income based reduction program of only 67 a month with the remainder being foreguvemess which would be great but seems to good to be true. My current loans are all consolidated with fed loan servicing so I asked why cant I just sign up with them for this same program and the response was that they prob wouldn’t offer it to me bc it makes them loose to much money which doesn’t seem like they would have a choice to not offer a federal program for federal loans they hold. Anyways is this 67 a month seems to good to be true and when I do the calculator on I never get anything near that low. So are they aware of some other plans that accomplishes this or is the 67 bucks a month really not possible?

    • says

      I would check and go with the amount on That’s where you would apply for IBR or PAYE. If you’re not getting the same amount on, there is a disconnect on what you’re putting in for income.

  72. Anton Ewing says

    Student Aid Center, Inc, a Florida corporation run by Damien Alvarez spam texted me at 7 AM and then called me late at night on a weekend. I am on the national Do Not Call list but these guys don’t care. Damien actually emailed me and declared that they do not use robo-dialers. Ha!

    I called them back and talked with a Christina who confirmed that they use a automated dialer machine to robo dial. Then I called back again and Giovanni confirmed that they use robo dialers. Then I went on the web page online chat and Alexi Moline confirmed in writing that they robo dial and spam text. Unbelievable.

    To add insult to injury, when I asked them to never contact me ever again I then receive a text message from Damien (305-305-XXXX) that stated “Fuck Off.” Wow, how’s that for customer service. These guys are insane.

  73. Catherine says

    Just did the Student Advocate with a guy name Rodney Moore who actually convinced me with all my personal data information to be given. this is after the fact that I saw this website about who’s scamming who!!!! thank you for saving me with this heartache and headache .

  74. Maurie says

    I appreciate this article but I found it too late! I just signed with…Can anyone give me feedback on them & what my next steps should be?? Please help!

    • says

      If you can still cancel, cancel and do it yourself. Otherwise you’re stuck with paying them and hoping they complete the work as promised to get your loans on a different repayment plan.

  75. Mathew Kahl says

    I just signed up with direct loans llc based out of Florida. I was originally paying 267 a month with great lakes for a 25 year plan and they said that they would buy out my loans from great lakes and and consolidate my loans. My loan payments would be $228 a month for 160 month term and any balance after that would be forgiven by the government. The first three payments would by $199 to “make sure that i’m able to afford the payments.” Or so they say. Is this a scam? I’m feeling like it is but they already have my information. Should I cancel?? Help!

  76. Alex J says

    Like most of you guys i just did the same thing. i sign with student Aid Center. Give them all of my personal information. from my ss# to my bank information. i have to paid $249 for five months, after the five month is over my monthly payment will drop down to $60 a month. And after 10yrs my load will be forgiven. But they still asking for more personal information, like service name, log-in username, password and so no. Is this a scam? I’m scare with all my personal information out there. What can i don now, i sign all the agreement, and my first payment is in 2weeks. HELP!?

    • says

      Hi Alex,

      They probably will help you, but you’re paying them almost $1,250 for that help – for something that you can easily do for free in about 15 minutes on They simply want your login information because they will just login and do it for you. You were smart enough to go to college, so you are smart enough to sign up for IBR online and lower your own payment.

      Don’t pay these people $1,200+ for help. By the way, that amount is one of the largest I’ve ever seen charged. That’s a big red flag.

  77. Heyamoto says

    I got a letter that reads “Student Loan Consolidation & Payment Reduction Program”
    They are from a company called Student Loan Research Center located in Orange County, California. I have already called and asked questions about how everything works. They sound promising, but apparently I have to pay a fee of $699, and after doing research, I’ve learned that you shouldn’t be paying a fee if you’re consolidating loans. I don’t know if they should be trusted or if they are really just a scam. If I can consolidate without having to pay, then why bother with this?
    someone please respond if you know anything about this. I want to know If I should back out from this right away

  78. Whitney says

    I have loans through Navient which have gone into deferment while I am going back to attend school again. I have been full time at my college for two years and have had no prior issues (my college has always supplied my current enrollment status to the enrollment clearing house), suddenly this summer I have been contacted that my deferment is up, and they are sending me bills, even though I am enrolled for the upcoming Fall semester. When contacted they have told me they received paperwork that I have graduated, even though I have never applied for graduation. I contacted my school to see that they told my loan company that I was enrolled, which they had, and they had no records of my “graduation” or application for it. Naivent has obviously been falsifying documents and refuses to provide proof of this error in paperwork. When I asked if I could have my college forward proof of my enrollment and lack of application to graduate, they refused it saying it was not adequate. They have put me in a position where I am being charged while still enrolled, and are giving me no options for helping them fix their error. Could you help by listing which laws they are breaking.

  79. scott bredeweg says

    I got a letter from this company, they said they can help with my Privet student loan. Has anyone used this place or heard anything about it?

  80. Terencio Safford says

    Hi, I just got off the phone with someone from National Student Services Center. I found them on a Sponsored Advertorial paid for by a private entity on my mobile phone’s news feed.
    They did not ask for a fee but claimed that Sallie Mae (Navient) is being forced to repay 1.3 trillion dollars in student loans for overcharging late fees, etc. They say that I qualify for something called Income-based Program with Forgiveness with some interesting terms.
    I am worried because they asked for my SSN, FSAID and a credit or debit card to get into the program. I gave them everything except my debit card number. I am worried that this could be some type of scam. Do you have any information on this company?
    Thank you.

    • says

      There’s a lot of misinformation in what they told you. And they haven’t asked for a fee yet, but they will if you call them back.

      – Sallie Mae and Navient are two different companies
      – $1.3 trillion is the total outstanding student loan debt in the United States, and no company is being forced or asked to repay this
      – Last year, Sallie Mae was ordered to pay $100 million to military members for bad practices, but that is just for certain people who had issues while they were deployed or on active duty
      – There are multiple income-based programs? Which did they want you to sign up for
      – Several have student loan forgiveness attached – we list them here (no hiding anything from you): Secret Student Loan Forgiveness Programs

      I would not work with a company that is not honest and straightforward with you. Everything they are offering to do you can also do for free at Just login to your account.

      • Terencio Safford says

        I thank you for getting back to me on this. I really appreciate your research in this matter for me. You gave me enough to consider and I will not be working with this company. Thank you for providing the useful link as well. Your service here is to be commended and I hope everyone gets a chance to see this. I have you bookmarked and I will direct my friends here and others who have issues with their loans.
        Lastly, do you think I should change my FSAID and password since I gave them that info? Or should I be okay?

  81. Rory says

    I signed up with the Student Aid Center yesterday. I was told they could save me $8,124.00 if I signed up with them through the income based plan. They said it would have to pay them $199.00 up front which I thought was ok, but after I gave her all my information she told me it was $199 for 5 months for processing fee. After that I would pay $76.00 for 152 months to a new lender. I felt very uncomfortable about it after I hung up the phone. My husband has always told me if it sounds too good to be true it is and it’s a scam. I’ve been reading everyone’s comments and made me worried and sick to my stomach thinking what have I just done. So I called them and told them I wanted to cancel and the lady gave me a hard time when I told her I didn’t feel comfortable about this and I changed my mind. She tried to give me a guilt trip about me not wanting to save money on my loans and that I wanted to stay late with loan payments. She sent me an email confirming my account was deactivated and I was told they would not take any money out of my bank account. She said they wouldn’t because my account was no longer activated. What can I do to make sure they don’t take any money out of my bank account? My husband would go crazy if he knew what I did. Please help!

    • says

      Just monitor it. If you received a confirmation email, you should be fine.

      In the meantime, go to and look at your options, for FREE!

      If you want more custom help, there are programs that can help if you have Federal student loans, and we cover them in our DIY coaching course.

      If you have private loans too, it’s more challenging, but there are still options.

      Here’s a link to check it out:

      If the course isn’t right for you, I understand. The next best way to get help is to post in our forums and get free help from me and our community:

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