<prompt> Human: Hey guys, I finished up school in may and acquired about 50k in student loans, I started repayment in January, paying about 550 a month. Its been a little tight, but Ive been managing. I received this letter about a week ago.I called them up and asked about repayment options and applied, they had access to my FAFSA account due to my federal loan status, all they asked for was current tax info and my social for verification.They offered me a few reduced repayment options with a 300 month forgiveness program. Heres where I had a moment of panic.They said my best repayment option would be income based, and would go from 550 a month a 70 a month. After 300 months, all of my federal loans would be forgiven.They mentioned a 600.00 fee for consolidation and administrative processes, which they could also break into payments.Is this too good to be true? Has anyone else worked with this organization before? Please help me out!  <response>: You definitely should not have given them your social security number. It looks like they charge you, then keep charging you every month for the life of your loan, for doing little to nothing.Anything they can do, you can do by dealing with the omsbudsman or via your online portal. You can get income contingent repayment and you can consolidate, without their help. The loan forgiveness is only in very specific circumstances public service jobs and isnt guaranteed by any means its routinely on the chopping block, but again, that is something you can look into without their help. 