<prompt> Human: Here is their website they offer ways to decrease or abolish your student debt. I was on the phone with some dude named Eric for 20 minutes. Basically, they get your loans put in forbearance claiming financial hardship then work to get your loans cut down. But you have to pay a monthly donation since they are a 501C or something. Basically I want to know if this is legit and worth trying or if its a scam and will fuck me over. I pay nearly 1,000month in loans so I really cant afford to have something like this create more problems. Advice?  <response>: Scam. We had this question a while ago over in rstudentloans Anyway, you cant get out of student loan debt. What you can do-is look into some programs. There are ways to cut your monthly payments. Income Based Repayment IBR Pay as you Earn PAYE, etc. There are also legit forgiveness options. Public Service Loan Forgiveness after ten years in a qualifying position. 25 year Forgiveness. Teacher Forgiveness. Dont pay money for something you can do yourself-easily. You just need to research and call your loan servicers.Now, these options are only for federal student loans. 